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INDONESIA
J-EBIS (Jurnal Ekonomi dan Bisnis Islam)
Published by Institut Agama Islam Negeri Zawiyah Cot Kala Langsa
ISSN : 25021397     EISSN : 25408100     DOI : -
Core Subject : Economy, Education,
Economics, Econometrics & Finance Other
The Journal that published by Faculty of Economic and Islamic Busines, State Institut for Islamic Studies (IAIN) Zawiyah Cot Kala Langsa, This journal focused on Islamic Economics and Finance studies. The Journal is published twice a year on April and October. The aim of the journal is to disseminate the Islamic economics and finance.
Arjuna Subject : -
Articles 2 Documents
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Search results for , issue "Vol, 11 No 1 (2026)" : 2 Documents clear
Artificial Intelligence Adoption and Business Sustainability in Sharia MSMEs: The Mediating Role of Entrepreneurial Orientation Alfisyahrin, M
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 11 No 1 (2026)
Publisher : IAIN Langsa

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Abstract

This study investigates the role of entrepreneurial orientation as a mediating variable in the relationship between artificial intelligence (AI) adoption and business sustainability in Sharia-based Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, The degree of digital maturity moderates the influence of AI on firm sustainability.. Adopting a quantitative approach using Structural Equation Modeling (SEM), data were collected from 212 Sharia MSMEs that have integrated digital-based fintech or AI systems into their operations. The findings indicate that AI adoption significantly improves OK and business sustainability, while OK partially mediates this relationship. Furthermore, TD positively moderates the effect of AI adoption on sustainability outcomes. These results confirm that integrating behavioral and digital dimensions into a maqashid-oriented entrepreneurship framework strengthens ethical and sustainable business practices. Theoretically, this study contributes by expanding the Resource-Based View (RBV) and behavioral entrepreneurship theory into the Islamic context. Practical implications are presented for policymakers, Islamic financial institutions, and MSME actors to encourage AI adoption that is in line with Islamic ethics and maqashid al-shariah principles.
Determinants Of Sharia Fintech Adoption And Its Impact On Financial Inclusion Among Msmes In Timika, Papua Junarti, Junarti; Muis, Muliana
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol, 11 No 1 (2026)
Publisher : IAIN Langsa

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Abstract

This study aims to analyze the factors influencing the intention to adopt Sharia fintech and its impact on financial inclusion among MSME actors in Timika, Papua. This study employs a quantitative approach using the Structural Equation Modelling–Partial Least Squares (SEM-PLS) method and involves 37 respondents from MSMEs. The independent variables comprise Digital Infrastructure and Capacity Access, Financial Literacy, Islamic Knowledge, and Regulatory and Ecosystem Support. In contrast, the dependent variables include the adoption intention for Islamic Fintech and Financial Inclusion through Islamic Fintech. The study found that Regulatory and Ecosystem Support had a positive and significant effect on Adoption Intention, whereas Digital Infrastructure and Financial Literacy did not have a significant effect. In addition, Adoption Intention has a significant effect on Financial Inclusion and mediates the relationship between regulatory support and Financial Inclusion. These findings confirm that the success of sharia fintech adoption in 3T regions, such as Timika, is determined more by regulatory clarity, system security, and ecosystem support than technical factors. This research contributes to the understanding of the adoption of Sharia fintech in developing regions and offers policy recommendations to strengthen Islamic financial literacy and an inclusive digital ecosystem.

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