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Ferri Alfadri
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JIFTECH: Journal Of Islamic Financial Technology
Published by Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
ISSN : -     EISSN : 28291050     DOI : JIFTECH: Journal Of Islamic Financial Technology
Core Subject : Economy,
Economics, Econometrics & Finance
JIFTECH: Journal Of Islamic Financial Technology is a peer-reviewed journal, a publication on Islamic Financial Technology from research and original writings on Islamic Financial Technology. The journal aims to provide a platform for scientific understanding in the field of Islamic financial technology and has an important role in promoting the process of accumulation of knowledge, Islamic values, skills and the development of science. Scientific manuscript dealing about Islamic financial technology topics are particularly welcome to be submitted. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries s in Islamic Financial Technology. Specifically, the journal will deal with topics : 1. Islamic Banking Technology 2. Financial Technology 3. Digital Economy Society 4. Inclusive Economy 5. Development Economic Technology
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 4 Documents
 1 
Search results for , issue "Vol 4, No 1 (2025)" : 4 Documents clear
Determinants Of Intentions To Use Mobile Banking With The Technology Acceptance Model (Tam) Approach Siregar, Tima Sari; Nasution, Hamni Fadlilah; Fauzan, M; Matondang, Zulaika
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.16369

Abstract

AbstractMany students have difficulty using mobile banking. The existence of mobile banking should make it easier for students to transact and give students freedom of time, quick response, and cost savings.  The purpose of this study is to determine the influence perceived usefulness and perceived ease of use on the intention to use Mobile banking. The concept in this study uses the Technology Acceptance Model (TAM). This model is a theoretical tool to test the extent to which a technology is accepted and benefited by a user. This type of research is quantitative research. The data collection technique uses questionnaires, documentation with a sample of 68 respondents. The data analysis technique used is using SmartPLS software version 4. Measurement models are used for validity and reliability tests, while structural models are used for causality tests (hypothesis testing with predictive models). The results of the study showed that there was an influence of usability perception on the intention to use mobile banking. And there is an influence of the perception of ease of use on the Intention to Use Mobile banking. In addition, the perception of usability and perceived ease of use explained the intention to use mobile banking by 0.902 or 90.2% and the rest was explained by other variables that were not studied by the researchers.
The Influence of Digital Banking Transactions and Third-Party Funds on Fee Based Income Sharia Commercial Banks in Indonesia Nofinawati, Nofinawati; Nasution, Adanan Murroh; Panggabean, Apriani
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.15357

Abstract

The instability of profit-sharing income in Islamic banks, driven by rising non-performing loans, strict regulations, and rapid financial technology development, has encouraged banks to explore alternative income sources such as Fee Based Income (FBI). This study aims to examine the influence of Digital Banking transactions and Third Party Funds (DPK) on Fee Based Income in Islamic Commercial Banks during 2019–2023. A quantitative approach was applied using secondary data from 60 monthly financial reports published by the Financial Services Authority (OJK). The analysis involved descriptive statistics, classical assumption tests, hypothesis testing, multiple linear regression, and the coefficient of determination using SPSS 24. The results show that Digital Banking has no significant partial effect on Fee Based Income, while Third Party Funds have a significant and positive effect. However, both variables jointly influence Fee Based Income significantly. These findings suggest that while digital banking adoption alone may not directly increase service-based income, the availability of third-party funds plays a crucial role. This implies that Islamic banks should optimize fund mobilization and enhance fee-based services to strengthen financial stability.
Digital Sharia Economic Empowerment at Al-Mukhlisin Islamic Boarding School Hasibuan, Siti Masitoh; Tolentino, Tolentino
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.16746

Abstract

This research aims to examine the initiation of a community economic management empowerment model based on sharia at the Al-Mukhlisin Islamic Boarding School with a focus on the economic perspective of the students. Islamic boarding schools, as Islamic educational institutions, have great potential in strengthening the economy of the ummah, particularly through a community-based approach that aligns with sharia principles. This study uses a qualitative method with a case study approach. Data is collected through participatory observation, in-depth interviews, and documentation.The results of the study show that the Islamic boarding school has initiated several sharia-based economic programs such as a cooperative Islamic boarding school, agribusiness units, and entrepreneurship training based on Islamic values. The empowerment model applied leads to the integration of religious education and productive economy, which impacts the enhancement of the economic independence of the Islamic boarding school community. This research recommends strengthening the managerial capacity of the Islamic boarding school and developing more structured sharia economic institutions as a strategic step forward.
Gender, Income, And Religiosity In E-Commerce Payment Preferences Arif, Muhammad; Rangkuti, Selvi Harisma
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.16499

Abstract

This study examines the influence of gender, income, and religiosity on payment method preferences in e-commerce transactions. Payment methods affect consumer convenience and purchasing decisions, but individual factors such as gender, income, and religiosity also play an important role. This research uses a quantitative approach with the SEM-PLS (Structural Equation Model-Partial Least Square) method. The research sample consisted of 54 respondents of the State Civil Apparatus (ASN) in Padangsidimpuan City, which was selected using the Cluster Sampling technique. Data were collected through questionnaires and documentation. The results showed that gender had a significant effect on payment method preferences (coefficient 0.517, p-value 0.041), while income had no significant effect (coefficient -0.217, p-value 0.170). Religiosity has a significant effect with coefficient -0.289 and p-value 0.028, indicating that a high level of religiosity tends to reduce preferences for payment methods that are not in accordance with sharia principles. Keywords: Gender, Income, Religiosity, Payment Method

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