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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Determinasi: Jurnal Penelitian Ekonomi Manajemen dan Akuntansi
Silvia Novita Sari
Universitas Muhammadiyah Surakarta
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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The Influence of Islamic Financial Literacy and Service Ease of Use on Customers’ Decisions to Use Islamic Digital Banking Products with Islamic Financial Inclusion as a Mediating Variable Silvia Novita Sari; Muhammad Sholahuddin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11410

Abstract

This study aims to analyze the influence of Islamic financial literacy and the ease of use of digital services on customers’ decisions to use Islamic digital banking products, with Islamic financial inclusion as a mediating variable. The research employs a quantitative approach using a survey method. Data were collected through questionnaires distributed to Islamic bank customers who use digital services in Indonesia. Data analysis was conducted using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS 4 software. The results indicate that Islamic financial literacy and the ease of use of digital services have a positive and significant effect on customers’ decisions to use Islamic digital banking products. In addition, both variables also have a positive and significant influence on Islamic financial inclusion. Islamic financial inclusion, in turn, has a positive effect on customers’ decisions and is able to mediate the relationship between Islamic financial literacy, the ease of use of digital services, and the decision to use Islamic digital banking products. The novelty of this study lies in the development of an integrative research model that combines Islamic financial literacy and the ease of use of digital services by incorporating Islamic financial inclusion as a mediating variable within the context of digital Islamic banking. This study is expected to enrich academic literature on customer decision behavior and provide practical implications for Islamic banking institutions in enhancing inclusive and sustainable digital service adoption.
The Influence of Islamic Financial Literacy and Service Ease of Use on Customers’ Decisions to Use Islamic Digital Banking Products with Islamic Financial Inclusion as a Mediating Variable Silvia Novita Sari; Muhammad Sholahuddin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11410

Abstract

This study aims to analyze the influence of Islamic financial literacy and the ease of use of digital services on customers’ decisions to use Islamic digital banking products, with Islamic financial inclusion as a mediating variable. The research employs a quantitative approach using a survey method. Data were collected through questionnaires distributed to Islamic bank customers who use digital services in Indonesia. Data analysis was conducted using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS 4 software. The results indicate that Islamic financial literacy and the ease of use of digital services have a positive and significant effect on customers’ decisions to use Islamic digital banking products. In addition, both variables also have a positive and significant influence on Islamic financial inclusion. Islamic financial inclusion, in turn, has a positive effect on customers’ decisions and is able to mediate the relationship between Islamic financial literacy, the ease of use of digital services, and the decision to use Islamic digital banking products. The novelty of this study lies in the development of an integrative research model that combines Islamic financial literacy and the ease of use of digital services by incorporating Islamic financial inclusion as a mediating variable within the context of digital Islamic banking. This study is expected to enrich academic literature on customer decision behavior and provide practical implications for Islamic banking institutions in enhancing inclusive and sustainable digital service adoption.
PENGARUH JOB STRESS DAN JOB INSECURITY TERHADAP TURNOVER INTENTION KARYAWAN RETAIL INDOMARET & ALFAMART SOLO RAYA Silvia Novita Sari; Annastasya Aprilia; Aura Eri Ratna Mahesti; Dwi Ayu Ratnasih; Adelia Putri Istiqomah; Angely Cris Natalya
Determinasi: Jurnal Penelitian Ekonomi Manajemen dan Akuntansi Vol. 3 No. 3 (2025)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/determinasi.v3i3.494

Abstract

This study aims to analyze the influence of job stress and job insecurity on turnover intention among employees of Indomaret and Alfamart in the Solo Raya region. Utilizing a quantitative survey approach, data were collected from 384 respondents through a questionnaire employing a Likert scale as the measurement tool. Regression analysis results indicate that job stress significantly and positively affects turnover intention, with a regression coefficient of 0.492. Similarly, job insecurity also demonstrates a significant positive relationship, as reflected by a regression coefficient of 0.399. The R-squared value of 39.9% suggests that these two independent variables collectively explain variations in turnover intention, although external factors also play a role. These findings highlight that work-related stress and job insecurity are key determinants driving employees' desire to leave their organizations. Therefore, strategic efforts are required to manage the work environment effectively to mitigate the risk of turnover intention. This study offers significant practical implications for human resource management policy development, particularly in enhancing employee retention in the retail sector.
Co-Authors Adelia Putri Istiqomah Angely Cris Natalya Annastasya Aprilia Aura Eri Ratna Mahesti Dwi Ayu Ratnasih M. Sholahuddin