cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Ferri Alfadri
Contact Email
feri@uinsyahada.ac.id
Phone
+6281262408535
Journal Mail Official
feri@uinsyahada.ac.id
Editorial Address
JL. T. Rizal Nurdin Km 4,5 Sihitang Kota Padangsidimpuan 22733
Location
Kota padangsidimpuan,
Sumatera utara
INDONESIA
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 55 Documents
 2   3   4   5   6 
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
TAHFIZ TEACHER INCENTIVE FINANCING: AN ANALYSIS OF EFFICIENCY AND EFFECTIVENESS AT RTQ HASANATUDDIN BUKITTINGGI Fakhrur - Razy; Hamdi Abdul Karim; Elmeki Satria
Journal of Islamic Financial Technology Vol 5, No 1 (2026)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v5i1.19937

Abstract

This study aims to analyze the legal basis, efficiency, and effectiveness of teacher incentive funding at the Hasanatuddin Al-Qur’an Memorization Center (RTQ) in Bukittinggi City. The study employs a qualitative approach using a descriptive-analytical research design. Data were collected through in-depth interviews, document analysis, and policy analysis of regulations governing non-formal religious education. The research informants consisted of the RTQ director and four active teachers selected using purposive sampling. Data analysis was conducted using thematic analysis, involving coding and the categorization of research themes. The research results indicate that RTQ Hasanatuddin has a strong legal foundation through Law No. 20 of 2003, Government Regulation No. 55 of 2007, Director General of Religious Education Decree No. 91 of 2020, and the RTQ Registration Certificate from the Ministry of Religion. However, the implementation of incentive funding has not been carried out efficiently or effectively. Fragmentation of funding sources, delays in disbursement, and changes in the incentive distribution mechanism indicate weaknesses in budget management. The amount of incentives received by teachers also does not meet the needs for a decent standard of living, so all teachers have additional jobs outside of teaching activities. Additionally, the planned teacher training program has not been realized. This study recommends harmonizing funding sources, standardizing incentive distribution, and strengthening competency development programs for tahfiz teachers.
Integrating FinTech, AI, and Cybersecurity in Islamic Banking: A Shariah-Compliant Framework for Innovation and Risk Management Zahiduzzaman Zahid; Md. Shahed Alamm; Munshi Md Ashfaqul Alam; Md. Syful Islam; Md. Mozammel Hoque
Journal of Islamic Financial Technology Vol 5, No 1 (2026)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v5i1.19432

Abstract

This study investigates the integration of Financial Technology (FinTech), Artificial Intelligence (AI), and Cybersecurity within Islamic banking, emphasizing adherence to Shariah principles amid digital transformation. Drawing on recent advancements (2023-2026), including AI-driven compliance tools and regulatory reforms in GCC countries, the research proposes the Shariah-Tech Adoption Framework (STAF), which extends the Technology Acceptance Model (TAM) by incorporating Perceived Shariah Compatibility (PSC) as a moderator. Through mixed-methods analysis—surveys of 150 stakeholders and case studies from institutions like Dubai Islamic Bank and Al Rajhi Bank—the findings reveal that these technologies enhance financial inclusion (30% growth in access), operational efficiency (25% faster processing), and fraud reduction (15-20% via blockchain). However, barriers such as cultural resistance (35% in emerging markets) and regulatory ambiguity persist. The paper offers policy recommendations for scalable adoption, including ethical AI governance and zero-trust cybersecurity models, to foster sustainable growth in Islamic finance projected to reach $5.9 trillion by 2026. This work contributes novel theoretical insights and practical strategies for balancing innovation with Islamic ethics.

Page 6 of 6 | Total Record : 55

 2   3   4   5   6 

Filter by Year

2022 2026


Reset
Filter By Issues
All Issue Vol 5, No 1 (2026) Vol 4, No 2 (2025) Vol 4, No 1 (2025) Vol 3, No 2 (2024) Vol 3, No 1 (2024): JIFTECH : Journal Of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology Vol 1, No 1 (2022): JIFTECH : Journal Of Islamic Financial Technology