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p-Index From 2021 - 2026
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This Author published in this journals
All Journal eCo-Buss Sharia Economic and Management Business Journal (SEMBJ) Islamic Economics Journal
Khansa Shabihah
Universitas Islam Sultan Agung
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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The Role of Financial Literacy in Moderating the Influence of Fintech and Financial Inclusion on Financial Performance Khansa Shabihah; Mutamimmah Mutamimmah; Rita Rosalina; Dedi Rusdi; Ahmad Salim
eCo-Buss Vol. 8 No. 1 (2025): eCo-Buss
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/eb.v8i1.2555

Abstract

Micro, small, and medium-sized businesses (MSMBs) are crucial for boosting community economic empowerment and job creation.  Unfortunately, many players in the MSME sector struggle with good financial management due to even a simple lack of knowledge about financial reporting.  In this study, we aim to analyze how fintech and financial inclusion affect the financial performance of micro, small, and medium-sized enterprises (MSMEs), controlling for financial literacy as a moderating variable.  A quantitative explanatory research approach is utilized in this work.  Using a purposive sample technique, one hundred MSME players in the culinary sector of Semarang City were chosen.  The data was collected via secondary sources, surveys, and interviews conducted by the Central Java Provincial Cooperatives and MSMEs Office.  Moderated Regression Analysis (MRA) and multiple linear regression were employed for the data analysis.  The findings were reliable according to the traditional premise.  Financial inclusion (β = 0.171; p < 0.05) and financial performance (B = 0.289; p < 0.05) were both markedly enhanced by fintech, according to the study's findings.  The effect of financial literacy on financial success was stronger than that of fintech (B = 0.017; p < 0.05) and financial inclusion (B = 0.022; p < 0.05).  This research highlights the critical importance of financial literacy for MSMEs to maximize digital financial services.
Digital Zakat Literacy: Synergy of Religious Values and Technology from the Utaut Perspective Khansa Shabihah; Dedi Rusdi; Amnisuhailah Abarahan; Tazkiya Nafsa Ramadhani
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): June
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2117

Abstract

Background: As digital technology becomes increasingly embedded in daily life, its influence extends into faith-based and philanthropic activities among Muslim communities, particularly through the development of digital zakat services. This study investigates whether technology-related factors (performance expectancy, effort expectancy, social influence, facilitating conditions) and institutional as well as personal factors (transparency, accountability, religiosity) affect the intention to participate in digital zakat systems. Method: The findings show that transparency (B = 0.156; p = 0.007) and accountability (B = 0.416; p < 0.001) have a positive and significant effect on the intention to use digital zakat services. Meanwhile, religiosity (B = -0.001; p = 0.977) does not have a significant effect. Conclusion: Institutional trust, reflected through transparency and accountability, plays a more important role in encouraging the use of digital zakat platforms than individual religiosity. Therefore, zakat management institutions should focus on improving transparency, accountability, and system reliability to increase public participation.
Enhancing Zakat Payer Satisfaction through Zakat Literacy and Digital Literacy with QRIS as a Payment Enabler Muhammad Iqbal Ramdhani; Ari Pranaditya; Ahmad Hijri Alfian; Khansa Shabihah
Islamic Economics Journal Vol. 12 No. 01 (2026): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v12i01.56

Abstract

Zakat is one of the five pillars of Islamic social finance and is a form of maliyah ijtima'iyah worship (worship related to property and social), which must be performed by Muslims if they meet certain conditions (property reaches the nisab and haul, among others). The level of zakat literacy among Muslims also remains varied. Many individuals still have a limited understanding of zakat obligations, calculation methods, distribution mechanisms, and the role of digital technology in facilitating zakat payments. This condition may affect zakat payers' satisfaction with digital payment platforms provided by zakat institutions. Consumer satisfaction in QRIS-based zakat payments is an important academic and practical issue because it determines the effectiveness, acceptance, and sustainability of digital zakat services, while also enriching the limited literature on the role of zakat literacy, digital literacy, and digital payment systems in Islamic social finance. This study aims to examine the effects of zakat literacy, digital literacy, perceived usefulness, and perceived ease of use on customer satisfaction toward QRIS-based zakat payments using an extended Technology Acceptance Model. This research was conducted with 190 zakat payers at LAZIS in Semarang City who have used QRIS for payment. The data analysis in this study was conducted using Structural Equation Modeling (SEM) with AMOS software. The findings reveal that zakat literacy, digital literacy, perceived usefulness, and perceived ease of use positively affect customer satisfaction with QRIS-based zakat payments, indicating that higher levels of literacy and positive perceptions of technology enhance users’ satisfaction with digital zakat payment services.
Co-Authors Ahmad Hijri Alfian Ahmad Salim Amnisuhailah Abarahan Ari Pranaditya Dedi Rusdi Dedi Rusdi, SE,MSi,Akt Muhammad Iqbal Ramdhani Mutamimmah Mutamimmah Rita Rosalina Tazkiya Nafsa Ramadhani