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This Author published in this journals
All Journal Tazkia Islamic Finance and Business Review Jurnal Investasi Islam
Juli Dwina Puspita Sari
Institut Agama Islam Negeri Langsa
Economics, Econometrics & Finance

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The Influence of Sharia Financial Literacy, Religiosity, Financial Self-Efficacy, and Financial Locus of Control as Mediating Effects on the Financial Behavior of Qris Users of Islamic Banks. Hidayatul Fitriani; Zefri Maulana; Tajul Ula; Juli Dwina Puspita Sari
Tazkia Islamic Finance and Business Review Vol. 19 No. 1 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i1.389

Abstract

This study aims to analyze the determinants of public interest in the use of QRIS in Sharia Banks with a focus on Langsa City - one of the cities in Aceh which is a province that implements the Islamic financial system. The independent variables tested included promotion, religiosity, education, and financial ability. Shariah financial literacy is considered as an intermediary variable that plays a role in connecting independent variables with dependent variables, namely interest in using QRIS. Considering that literacy and interest in using digital finance in Aceh, especially Langsa City, are still low, this research is important in understanding the factors that affect public interest.This study involved 100 respondents from Langsa City who were randomly taken with a quantity determined through the method of determining the number of Slovin. The analysis method used in this study is the Structural Equation Modeling - Partial Least Squares (SEM-PLS) Method which serves to identify whether the effect of independent variables on dependent variables occurs directly, or through intermediate variables (intermediation). The results of the study show that promotion, religiosity, education, and financial ability significantly affect financial literacy, which then has a positive impact on interest in using QRIS.These findings are expected to help Islamic banking and the government in designing strategies to increase the adoption of digital financial services in Aceh, especially Langsa City.
Beyond Digital Knowledge: The Dominant Roles of User Vigilance and Two-Factor Authentication in E-Commerce Phishing Susceptibility Siti Syahara; Juli Dwina Puspita Sari; Shelly Midesia
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.14855

Abstract

While e-commerce growth accelerates digital adoption, phishing remains a critical threat to transaction trust. Previous research frequently conflates passive literacy with active defensive habits, leaving a gap in understanding how cognitive, behavioral, and technical safeguards distinctly mitigate threat exposure within emerging regional markets. This study evaluates the impact of Digital Security Knowledge (X1), User Awareness (X2), and Two-Factor Authentication (2FA) usage (X3) on Phishing Vulnerability (Y) among e-commerce consumers in Langsa City, Indonesia. Utilizing a quantitative survey design (n=100) and multiple linear regression analysis, the empirical model accounted for 78.3% of the variance in phishing vulnerability (Adjusted R2 = 0.783, F = 116.452, p < 0.001). The structural model reveals a distinct behavioral hierarchy: while all three variables share a significant inverse relationship with vulnerability, technical and active safeguards are overwhelmingly dominant. Utilizing 2FA emerged as the most dominant predictor in neutralizing credential exploitation (t = -6.241, p < 0.001), followed closely by real-time User Awareness (t = -6.092, p < 0.001), whereas conceptual Digital Security Knowledge exerted a remarkably weak effect (t = -2.184, p = 0.031). This reveals that passive knowledge fails under transactional pressure without hard technical barriers and active cognitive skepticism. From an Islamic economic perspective, safeguarding wealth (Hifdz al-Mal) against digital fraud (gharar) requires operationalized ikhtiyar (purposeful effort). Practically, e-commerce platforms must enforce mandatory default 2FA, while public initiatives should pivot toward scenario-based active awareness training to secure the digital muamalah ecosystem.
Co-Authors Hidayatul Fitriani Shelly Midesia Siti Syahara Tajul Ula Zefri Maulana