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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 3 Documents
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Search results for , issue "Vol 4, No 2 (2025)" : 3 Documents clear
The Impact of GDP, Investment, and Inflation on Poverty in ASEAN-8 Countries: A Panel Data Analysis (2010–2023) Gunawan, Lalu Abu; pulungan, ismail; Malik, Feri Maulana
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.17915

Abstract

This study examines the impact of Gross Domestic Product (GDP), investment, and inflation on poverty levels in eight ASEAN countries—Indonesia, Malaysia, the Philippines, Singapore, Thailand, Vietnam, Laos, and Cambodia—from 2010 to 2023. Despite rapid economic expansion in the region, poverty remains a persistent issue. Using panel data regression (Panel Least Squares) with 105 observations, the analysis assesses how these macroeconomic factors contribute to poverty reduction. The results show that the overall regression model is significant (Prob F-statistic = 0.000000), with an R-squared value of 0.3708, indicating that 37% of poverty variation is explained by GDP, investment, and inflation. Investment has the strongest and most significant negative effect on poverty (coefficient = –0.950933; p < 0.01), suggesting that higher investment effectively reduces poverty through job creation and productivity gains. GDP has a negative but insignificant effect (p = 0.0976), implying that economic growth alone does not automatically lower poverty without equitable distribution. Inflation shows a positive effect (coefficient = 0.747921; p = 0.0652), indicating that rising prices tend to worsen poverty by eroding purchasing power. These findings highlight the importance of promoting investment and maintaining price stability in ASEAN poverty-reduction strategies.
Cryptocurrency in the Modern Economic System: Analysis of Functions, Regulations, and Islamic Legal Perspectives Matondang, Zainal Abidin; pulungan, ismail
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.17946

Abstract

The rapid advancement of digital technology in the era of the Fourth Industrial Revolution has significantly transformed global financial systems, including the emergence of cryptocurrency as a digital currency and asset powered by blockchain technology. Cryptocurrency introduces a decentralized, transparent, and efficient transaction system without reliance on a central authority. However, its existence raises substantial debate regarding its functions, legality, and compliance with Islamic economic principles. This study aims to analyze the concept of cryptocurrency, its functions and characteristics, regulatory frameworks in Indonesia, and Islamic legal perspectives on its use as both a medium of exchange and a digital commodity. This research employs a library research method with a descriptive-analytical approach, utilizing data sourced from books, academic journals, government regulations, and fatwas issued by the Indonesian Council of Ulama (MUI). The findings indicate that cryptocurrency can function as a medium of exchange and an investment asset, but its high price volatility positions it more as a speculative instrument. In Indonesia, cryptocurrency is not recognized as a legal means of payment but is permitted as a tradable commodity under the supervision of Bappebti. From an Islamic economic perspective, cryptocurrency is considered prohibited (haram) as a currency due to elements of gharar and dharar, but it may be traded as a commodity if it fulfills the principles of clear value, clear benefit, and legitimate ownership. This study concludes that the use of cryptocurrency requires strong regulatory control and careful consideration to align with economic stability and Sharia compliance.
Analysis of Factors Affecting the Intention to Use the DANA Application in Lombok Based on the TAM Model Anwar, Kaspul
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.17976

Abstract

This study aims to analyze the factors that affect the intention to use DANA e-wallets using the SEM-PLS method. The evaluation of the measurement model is carried out through Convergent Validity, and Discriminant Validity tests to ensure that the research instrument is valid and reliable. The bootstrapping test was used to assess the significance of the relationship between latent variables based on a t-statistic value with a t-> limit of 1.96 at a significance level of 5%. Data was obtained through a questionnaire of 130 respondents who were selected using purposive sampling with the criteria of being at least 17 years old, domiciled in East Lombok, understood the DANA application, and had the intention to use it, and supported by secondary data from various scientific sources. The results of the study show that the variables in the model have a different influence on the intention of using the DANA application. Perceived Usefulness had no significant effect on usage intent (t = 1.676; p = 0.094), while Perceived Ease of Use was proven to have a positive and significant effect (t = 2.533; p = 0.011), so the easier the application is to use, the higher the user's intention to use it. In addition, Perceived Security also had a positive and significant effect (t = 3,039; p = 0.002), confirming that the higher the sense of security that users feel, the greater their tendency to continue using DANA. These findings provide an empirical overview of the factors of digital financial service acceptance in the Lombok community. Keywords: Intent To Use, E-Wallet, DANA, SEM-PLS, Financial Technology

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