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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 53 Documents
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Analysis of Factors Affecting the Intention to Use the DANA Application in Lombok Based on the TAM Model Kaspul Anwar
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
THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL INCLUSION AND FINANCIAL TECHNOLOGY ON THE FINANCIAL PERFORMANCE OF UMKM IN PADANGSIDIMPUAN CITY Mutiara, Ratna
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.v4i1.14033

Abstract

Financial performance problems in Micro, Small and Medium Enterprises (MSMEs) are generally related to the lack of management capabilities in managing working capital, which causes difficulties in measuring financial performance. Several factors that affect the financial performance of MSMEs include the quality of financial reports, financial literacy, financial inclusion and financial technology . The discussion of this study is related to the field of MSME financial performance science in relation to the theory that financial literacy affects the financial performance of MSMEs, financial inclusion affects the financial performance of MSMEs as well as Financial technology affects the financial performance of MSMEs. This research is a quantitative study. The data collection instrument uses a questionnaire with a sample size of 100 MSMEs. The analysis tools used are validity tests, reliability tests, classical assumption test analysis, multiple linear regression and hypothesis tests. The results of the study show that financial literacy (X1) affects the financial performance of MSMEs (Y). The financial inclusion variable (X2) does not affect the financial performance of MSMEs (Y). The financial technology variable (X3) affects the financial performance of MSMEs (Y). Meanwhile, simultaneously, the variables of financial literacy (X1), financial inclusion (X2) and financial technology (X3) have an effect on the financial performance of MSMEs (Y).Keywords: Financial Literacy, Financial Inclusion, Financial Technology , Financial Performance of MSMEs
Digital Financial Transformation and Efficiency in Islamic Banking Systems Nofinawati SEI MA; Adanan Murroh Nasution
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.v4i2.18368

Abstract

This article aims to systematically synthesize the relationship between digital financial transformation and efficiency in the Islamic banking system, by assessing how the adoption of digital technologies affects operational performance, sharia compliance, and the expansion of financial inclusion. This study uses an interpretive-constructivist paradigm-based systematic literature review approach to examine empirical and conceptual findings in various cross-border studies. The analysis was carried out on digitalization trends, sharia compliance governance models, as well as efficiency indicators such as Cost-to-Income Ratio, accuracy of customer assessment, transaction speed, profitability, and financial stability. The theoretical framework is enriched by the integration of the Three Lines of Defense and Digital Shariah Compliance Committee models. The literature synthesis shows that digital transformation consistently improves the efficiency of Islamic banks through reducing operational costs, increasing the accuracy of customer assessments, accelerating transactions, increasing customer satisfaction, and expanding access to finance, including for underserved groups. However, significant challenges remain, including digital infrastructure gaps, cybersecurity risks, limited human resources, the complexity of harmonizing technology with sharia principles, and the need for stronger digital governance. The study's main novelty lies in the development of an integrated conceptual framework that explains the multidimensional mechanisms of how digitalization affects operational efficiency and sharia compliance in Islamic banking. This approach fills in the gap of the previous literature that tends to be fragmented, and presents a comprehensive perspective on the role of technology in strengthening the competitiveness of the Islamic finance industry. These findings affirm the importance of strengthening digital governance, improving human resource digital competence, harmonizing regulations across jurisdictions, and modernizing sharia supervision to ensure that digital transformation takes place safely, inclusively, and sustainably. The study provides a theoretical and practical basis for regulators, academics, and industry to design effective digitalization strategies in Islamic banking.Keyword : Digital Financial Transformation, Efficiency, Islamic Banking Systems

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