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All Journal Jurnal Ilmiah Al-Tsarwah Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Jumarni
Institut Agama Islam Negeri Bone
Economics, Econometrics & Finance Other

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Determinants of Transaction Ease Among Users of the DANA Platform as a Payment Method: A Study on FEBI Students at IAIN Bone Widya; Jumarni; Rahma Hidayati Darwis
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 6 No. 3 (2025): Juli
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v6i3.2394

Abstract

This research analyzes the determinants of transaction convenience for DANA platform users among FEBI IAIN Bone students. Using a quantitative method, the study examines the influence of three independent variables—security, service features, and digital financial literacy—on transaction convenience as the dependent variable. Data was collected through questionnaires distributed to 100 respondents selected using purposive sampling and analyzed using SmartPLS 4. The results demonstrate that all three independent variables significantly influence transaction convenience on the DANA platform. Transaction security, provided service features, and users' digital financial literacy levels prove to have important roles in enhancing the platform's ease of use. The study recommends that service providers continue to improve security aspects, develop intuitive features, and provide digital financial literacy education to users to create a more comfortable, secure, and efficient transaction experience. The findings encourage digital wallet providers to focus on these three key factors to enhance user experience, making transactions more convenient and efficient for their customers.
FACTORS INFLUENCING THE DECISION OF MUSLIM GENERATION Z TO USE TIKTOK SHOP FROM A MASLAHAH PERSPECTIVE Jumarni
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 2 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i2.11403

Abstract

The rapid growth of social commerce through TikTok Shop has transformed consumption behavior among young generations, including Muslim Generation Z. This phenomenon raises questions regarding the factors influencing decisions to use TikTok Shop, particularly when examined through the lens of planned behavior and Islamic economic values. This study aims to analyze the effects of attitude, subjective norms, perceived behavioral control, and concern for maslahah on TikTok Shop usage decisions among Muslim Generation Z, with intention serving as a mediating variable. Employing a quantitative approach, this study collected survey data from 155 students of the State Islamic Institute (IAIN) Bone who had experience using TikTok Shop. Data were analyzed using Structural Equation Modeling (SEM) with a Partial Least Squares (PLS) approach. The results indicate that attitude has a positive and significant effect on intention, and intention significantly influences TikTok Shop usage decisions. In contrast, subjective norms, perceived behavioral control, and concern for maslahah do not have a significant effect on intention. Intention is found to mediate the relationship between attitude and usage decisions. These findings confirm the relevance of the Theory of Planned Behavior in explaining digital consumption behavior among Muslim Generation Z, while also suggesting that maslahah values have not yet been strongly internalized in social commerce practices. This study contributes to the literature on digital consumer behavior from an Islamic economics perspective and offers practical implications for digital platform managers and business practitioners
Co-Authors Rahma Hidayati Darwis Widya