scholarly journals Determinants of Behavioral Intentions to Use Sharia Financial Technology (Fintech)

2021 ◽  
Vol 10 (2) ◽  
pp. 325-342
Author(s):  
Dani Setiawan ◽  
Darwanto Darwanto ◽  
Edy Yusuf Agung Gunanto
Keyword(s):  
Financial Literacy ◽  
Digital Literacy ◽  
Behavioral Intentions ◽  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Positive Effects ◽  
The Right ◽  
Financial Technology

The growth of sharia fintech is not proportional to the majority of the Muslim population. There are only a few studies that discuss the behavioral intentions of consumers who use sharia fintech. This study aims to identify the factors influencing Muslim's behavioral intentions in using sharia fintech. This study conducted 400 respondents in four types of sharia fintech (digital payment, lending, crowdfunding, and risk and management). This study uses a structural Equation Modeling - Partial Least Square (SEM-PLS) approach. Variable Planned behavior (PB), Acceptance Model (AM), Use of Technology (UT), Digital Literacy (DL), and Sharia Financial Literacy (SFL) have significant positive effects on Behavior Intention (BI). This study provides recommendations to improve the distribution of internet access infrastructure and the right curriculum in increasing digital literacy, Islamic finance literacy, and also more accessible fintech services.JEL Classification: D83, D91, G2, Z1How to Cite:Setiawan, D., Darwanto., & Gunanto, E. Y. A. (2021). Determinants of Behavioral Intentions to Use Sharia Financial Technology. Signifikan: Jurnal Ilmu Ekonomi, 10(2), 325-342. https://doi.org/10.15408/sjie.v10i2.21451.

scholarly journals Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Inklusi Keuangan Pada Masyarakat Pekanbaru (Studi Pada Investor Saham Syariah Di Pekanbaru)

2021 ◽  
Vol 3 (2) ◽  
pp. 194-206
Author(s):  
Yolanda Atika Safira ◽  
Yulia Efni ◽  
Fitri Fitri
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Sampling Methods ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Equation Modeling ◽  
Sampling Techniques ◽  
Online Trading ◽  
Financial Technology

This study aims to examine the effect of financial literacy and the use of online trading applications on financial inclusion of sharia stock Investors in Pekanbaru. The sample used in this study was 150 sharia stock Investors in Pekanbaru who use online trading applications in stock transactions. Sampling uses non-probability sampling methods and purposive sampling techniques. The data in this study are quantitative data obtained using a questionnaire and processed by using Partial Least Square Structural Equation Modeling (PLS-SEM). The results of this study indicate that financial literacy has a positive and significant effect on financial inclusion of sharia stock investors in Pekanbaru and financial technology has a positive and significant effect on sharia stock investors in Pekanbaru.

scholarly journals Analisis Pengaruh Faktor-Faktor Literasi Keuangan Terhadap Keputusan Berinvestasi Pada Asuransi Jiwa di Kota Palembang

2021 ◽  
Vol 4 (3) ◽  
pp. 798-812
Author(s):  
Resa Novita ◽  
Isni Andriana ◽  
Kemas M Husni Thamrin
Keyword(s):  
Life Insurance ◽  
Financial Literacy ◽  
Structural Equation ◽  
Quantitative Research ◽  
Investment Decisions ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Equation Modeling ◽  
And Gender

The purpose of this research is to analyze the effect perceptions about financial literacy factors against the investment decisions on life insurance in Palembang. The population in this study is the owner of life insurance in Palembang, the sampling in this study is using the Purposive Sampling method with 50 respondents as samples. The type of research used is quantitative research with primary data sources obtained from distributing questionnaires to respondents. The data analysis technique in this research are descriptive and inferential statistical analysis using Structural Equation Modeling (SEM) with smartPLS (Partial Least Square) 3.0 software. The results showed that the perception of age and gender has no significant effect against the investment decisions on life insurance in Palembang, meanwhile the perception of education level and income have a significant effect against the investment decisions on life insurance in Palembang. Keywords: Age, Gender, Level of Education, Income, Investment Decisions

scholarly journals PENGARUH AKSES KEUANGAN TERHADAP PERTUMBUHAN UKM DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL MODERASI

2021 ◽  
pp. 161
Author(s):  
Made Ayu Desy Geriadi ◽  
Luh Erynayati ◽  
Ni Putu Yuliana Ria Sawitri
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Access To Finance ◽  
Medium Enterprise ◽  
Relationship Of ◽  
The Relationship ◽  
Effect On Growth

This examination means to decide how the role financial literacy in moderating the relationship of access to finance and growth. The area for this exploration held in Denpasar. The quantity of tests taken is 100 small medium enterprise (SMEs), with a likelihood inspecting methods are basic irregular examining. Information examination in this investigation utilized the Partial Least Square (PLS) approach. PLS is a condition model for Structural Equation Modeling (SEM) in view of parts or variations. This examination is to get results which expressed that the access to finance has a positive and significant effect on growth of SMEs. Financial literacy has a positive and significant effect on growth of SMEs. Financial literacy moderates the relationship between access to finance and growth of SMEs

scholarly journals Behavioral Stimulus for Using Bank Mestika Mobile Banking Services: UTAUT2 Model Perspective

2021 ◽  
Vol 1 (2) ◽  
pp. 61-72
Author(s):  
Fenny Krisna Marpaung ◽  
Reni Shinta Dewi ◽  
Ernest Grace ◽  
Acai Sudirman ◽  
Maria Sugiat
Keyword(s):  
Behavioral Intention ◽  
Behavioral Intentions ◽  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Banking Services ◽  
Additional Information ◽  
Banking Service

The existence of mobile banking services is currently experiencing rapid growth. Adopting such a large number of users makes mobile banking services one of the main needs to meet the needs of conducting financial transactions. Therefore, there is a need for additional information for mobile banking service developers on the dominant factors influencing user behavioral intentions. This research is present as a forum to provide an overview of the user's perspective on Mestika bank's mobile banking service. This research aims to find out what factors play an important role in behavioral intention to use Mestika bank's mobile banking services based on the UTAUT2 concept. The research instrument used a questionnaire distributed online to 240 respondents in Medan City and Pematangsiantar City, Indonesia. Next, the researcher tested the hypothesis using Structural Equation Modeling (SEM) based on a variant called Partial Least Square (PLS) and the SmartPLS version 3.0 application as a tool to analyze it. This research concludes that effort expectancy has the most significant influence and plays a very important role in shaping the behavioral intention of using Mestika bank's mobile banking. Then performance expectancy and social influence hedonic motivation also significantly influence behavioral intentions to use Mestika bank's mobile banking. Furthermore, the results of this study also conclude that facilitating conditions and habit have no significant effect on behavioral intentions to use Mestika bank's mobile banking.

scholarly journals PERMODELAN POLA PERENCANAAN KEUANGAN BERDASARKAN STATUS PERNIKAHAN

2021 ◽  
Vol 15 (4) ◽  
pp. 773-784
Author(s):  
Lukmanul Hakim ◽  
Sri Andriani ◽  
Nenny Noor Umami
Keyword(s):  
Structural Equation Modeling ◽  
Marital Status ◽  
Financial Literacy ◽  
Financial Planning ◽  
Financial Management ◽  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Equation Modeling

A Marital status at community can make an impact on financial management. The purpose of this study was to analyze financial planning based on marital status with the variables of financial attitude, financial behavior, and financial literacy towards people who live in Sumbawa. The data were analyzed using Structural Equation Modeling Partial Least Square (SEM-PLS) through smartPLS version 3.0 software. The results of the analysis in this study indicate that (1) financial attitude has a significant effect on financial behavior both based on married and unmarried status, (2) financial attitude has a significant effect on financial literacy both based on married and unmarried status, (3) financial attitude has an effect significant on financial planning based on both married and unmarried status, (4) financial behavior has no significant effect on financial literacy both based on married and unmarried status, (5) financial behavior has no significant effect on financial planning both based on married and unmarried status, (6) financial literacy has no significant effect on financial planning based on both married and unmarried status, and (7) There is no difference in financial planning based on marital status

scholarly journals DETERMINAN MINAT INDIVIDU MENGGUNAKAN LAYANAN FINANCIAL TECHNOLOGY DENGAN KERANGKA INNOVATION DIFFUSION THEORY

2019 ◽  
Vol 8 (2) ◽  
pp. 209-223
Author(s):  
Rada Nur Indriyati ◽  
Mimin Nur Aisyah
Keyword(s):  
Innovation Diffusion ◽  
Structural Equation ◽  
Diffusion Theory ◽  
Partial Least Square ◽  
Least Square ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Innovation Diffusion Theory ◽  
Convenience Sampling ◽  
Financial Technology

Abstrak: Determinan Minat Individu Menggunakan Layanan Financial Technology dengan Kerangka Innovation Diffusion Theory. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi minat individu menggunakan layanan fintech dengan kerangka Innovation Diffusion Theory (IDT). Penelitian ini merupakan explanatory research. Sampel penelitian adalah 100 pengguna layanan fintech di Kota Yogyakarta yang diperoleh dengan teknik convenience sampling. Metode analisis yang digunakan yaitu Structural Equation Modeling (SEM) dengan menggunakan Partial Least Square (PLS). Hasil penelitian ini menunjukkan bahwa relative advantage, compatibility, trialability, dan observability berpengaruh positif terhadap minat individu menggunakan layanan financial technology di Kota Yogyakarta, sedangkan complexity berpengaruh negatif terhadap minat individu menggunakan layanan financial technology di Kota Yogyakarta. Kata kunci: Innovation Diffusion Theory (IDT), Layanan Financial Technology, Karakteristik inovasi.

scholarly journals Analisis Pengaruh Financial Literacy, Asymmetry Information terhadap Keputusan Investasi di Pasar Modal Syariah dengan Investasi Etis Sebagai Variabel Intervening

2021 ◽  
Vol 10 (2) ◽  
pp. 317-326
Author(s):  
Sidra Muntaha Irawan ◽  
Dinnul Alfian Akbar ◽  
Rinol Sumantri
Keyword(s):  
Structural Equation Modeling ◽  
Financial Literacy ◽  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Purposive Sampling ◽  
Asymmetry Information

Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh financial literacy, asymmetry information dan investasi etis dalam mengambil keputusan investasi bagi para investor individu di Kota Palembang pada tahun 2020. Penelitian ini bersifat kausal menggunakan data primer 70 responden dengan teknik purposive sampling. Data hasil penelitian dianalisis dengan menggunakan metode Structural Equation Modeling (SEM) berbasis Partial Least Square (PLS). Penelitian ini menyimpulkan bahwa financial literacy berpengaruh terhadap investasi etis, asymmetry information berpengaruh terhadap investasi etis, financial literacy tidak berpengaruh terhadap keputusan investasi, asymmetry information berpengaruh terhadap keputusan investasi, investasi etis berpengaruh terhadap keputusan investasi, dan investasi etis berpengaruh memediasi antara financial literacy terhadap keputusan investasi dan asymmetry information terhadap keputusan investasi.

scholarly journals PERSEPSI KOMPATIBILITAS, PERSEPSI TRIABILITY TERHADAP INTENSI PERILAKU SERTA DAMPAKNYA PADA PENGGUNAAN MOBILE BANKING BANK RAKYAT INDONESIA DI SURABAYA

2018 ◽  
Vol 8 (1) ◽  
Author(s):  
Muhammad Musthofa ◽  
Lindiawati .
Keyword(s):  
Behavioral Intentions ◽  
Structural Equation ◽  
Technological Development ◽  
Partial Least Square ◽  
Least Square ◽  
Relative Advantage ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Perceived Complexity ◽  
The Impact

Using technology in every day's daily activities is not a stranger anymore, rapid technological development is very influential on economic and social activities. Technological advances also affect the banking world electronically. One of the services enhanced by banks is the mobile banking facility. This study aims to analyze the influence of relative advantage, perceived complexity perceived compatibility,, perceived triability on behavioral intentions and the impact on the use of BRI mobile banking in Surabaya. Sample of this research are 100 respondents and this research is done in Surabaya. Sample is drawn using purposive sampling methods. This study uses Partial Least Square Structural Equation Modeling 6.0 (PLS-SEM) analysis technique. The results of this study reveals that relative advantage, perceived complexity, perceived compatibility, perception of behavioral intentions have a significant effect on using BRI’s mobile baking and while perceived triability does not significantly influence behavioral intention on using BRI’s mobile baking. Anyhow behavioral intension to use significantly affects BRI's mobile banking user.

scholarly journals The Effect of Country of Origin, Perceived Quality, And Brand Image on the Purchase Intention of Etude House Cosmetics

2019 ◽  
Vol 7 (2) ◽  
pp. 36
Author(s):  
Cindy Lestari Lie ◽  
Innocentius Bernarto
Keyword(s):  
Purchase Intention ◽  
Structural Equation ◽  
Brand Image ◽  
Country Of Origin ◽  
Perceived Quality ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Positive Effects

The many interests of Indonesians for imported cosmetics have invited many foreign companies to enter the Indonesian market, including one of the leading cosmetic brands from South Korea, Etude House. The purpose of this research is to analyse and test the positive effects of country of origin, perceived quality, and brand image on the purchase intention of Etude House cosmetics. Based on the purpose of the research, the proposed hypotheses are: (1) The country of origin of a product affects positively on the purchase intention of a consumer, (2) The perceived quality of a product affects positively on the purchase intention of a consumer, and (3) The brand image of a product affects positively on the purchase intention of a consumer. The sample consists of Etude House consumers in Indonesia who are students of the University of Pelita Harapan, with a total of 146 respondents. The sampling technique used in the research is Convenience sampling method. The statistical analysis is applied by the approach of Partial Least Square – Structural Equation Modeling (PLS-SEM) method, with the program SmartPLS. The end result of this research has shown that (1) The country of origin of a product does not affect positively on purchase intention, (2) The perceived quality of a product has a positive and the most significant effect on purchase intention, and (3) The brand image of a product also has a positive and significant effect on purchase intention.

Social ostracism as a determinant of criminal recidivism in metropolitan Kano-Nigeria: a partial least square analysis

2015 ◽  
Vol 1 (3) ◽  
pp. 175-190 ◽  
Author(s):  
Aminu Musa Ahmed ◽  
Abd Halim B. Ahmad
Keyword(s):  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Survey Method ◽  
Criminal Recidivism ◽  
Content Type ◽  
Positive Effects ◽  
Partial Least Square Analysis ◽  
Social Ostracism

Purpose – The purpose of this paper is to examining and analyzing the predictors of criminal recidivism among the ex-prisoners in metropolitan Kano-Nigeria using social ostracism as a predictor. However, the study utilizes two main dimensions of social ostracism; being ignored and being excluded in analyzing criminal recidivism. Design/methodology/approach – This study is quantitative in nature. Data were collected using survey method. Purposive sampling method was used and the population of the study were the ex-prisoners who are released after their prison terms. A total of 256 sample size was utilized and data were analyzed using Partial Lease Squares – Structural Equation Modeling. Findings – The findings revealed that, there is significant positive relationship between ignoring and exclusion of ex-prisoners in relation to criminal recidivism ( < 0.001***). The model used in the study shows that being ignored is having small effects, whereas being excluded is having medium effects (f2 0.121, 0.203), with predictive relevance (Q2 0.1884). Practical implications – Going by the study findings it was concluded that social ostracism of ex-prisoners in metropolitan Kano is having positive effects toward criminal recidivism. It is recommended that policy should be made to reduce the exclusion of ex-prisoners so as to reduce their chances of becoming criminal recidivists. Originality/value – Though many predictors were used in analyzing recidivism, this study used social ostracism which is not previously used as a sole predictor of criminal recidivism.

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