Pengaruh sikap, norma subyektif dan kendali perilaku terhadap minat menggunakan Financial Technology (Fintech) dengan religiusitas sebagai variabel moderasi pada nasabah perbankan di kota Jayapura

ABSTRAK Tujuan dari penelitian ini adalah untuk mengetahui pengaruh sikap, norma subyektif dan kendali perilaku dalam teori perilaku terencana terhadap minat menggunakan fintech dengan religiusitas sebagai variabel moderasi pada nasabah perbankan di Kota Jayapura. Metode penelitian yang digunakan adalah kuantitatif dengan jenis penelitian explanatory research untuk membuktikan kebenaran dari hipotesis penelitian. Teknik pengumpulan data dengan kuisioner yang disebarkan kepada 240 responden yang pernah atau sedang menggunakan fintech pada nasabah perbankan di Kota Jayapura. Hasil penelitian menunjukan bahwa sikap, norma subyektif dan kendali perilaku mempunyai pengaruh yang signifikan dan positif terhadap minat menggunakan fintech di Kota Jayapura. Sementara itu, religiusitas mampu memoderasi (memperlemah) hubungan antara norma subyektif dan minat. Adapun untuk hubungan antara sikap, kendali perilaku dan minat tidak dimoderasi oleh religiusitas dalam penelitian ini. Berdasarkan hasil penelitian diharapkan nasabah perbankan dapat meningkatkan penilaian positif terhadap fintech dan dapat memanfaatkan sosial media dan kolaborasi dengan influencer dalam meningkatkan intensi minat menggunakan fintech pada nasabah perbankan di Kota Jayapura. ABSTRACT The purpose of this study was to determine the effect of attitudes, subjective norms and behavioral control in the theory of planned behavior on the intention in using fintech with religiosity as a moderating variable in banking customers in Jayapura City. The research method used is quantitative with explanatory research to prove the truth of the research hypothesis. Data collection techniques using questionnaires distributed to 240 respondents who have or are currently using fintech at banking customers in Jayapura City. The results showed that attitudes, subjective norms and behavioral control had a significant and positive influence on intention in using fintech in Jayapura City. Meanwhile, religiosity is able to moderate (weaken) the relationship between subjective norms and intentions. As for the relationship between attitudes, behavioral control and intention is not moderated by religiosity in this study. Based on the research results, it is expected that banking institutions can increase positive assessments of fintech and can take advantage of social media and collaboration with influencers in increasing intention in using fintech in banking customers in Jayapura City. مستخلص البحث الهدف من هذا البحث هو معرفة تأثير المواقف والمعايير الذاتية والضوابط السلوكية في نظرية السلوك المخطط على على إرادة استخدام التكنولوجيا المالية (FINTECH) مع التدين كمتغير معتدل في المؤسسات المصرفية بمدينة جايابورا. وأما الأسلوب المستخدم من هذا البحث هي المدخل الكمي على شكل البحث التوضيحي لإثبات صحة فرضية البحث. طريقة جمع البيانات باستخدام الاستبيانات الموزعة على 240 مستجيبا لديهم الذين يستخدمون التكنولوجيا المالية في المؤسسات المصرفية بمدينة جايابورا حاليا كانت أم ماضيا. أظهرت نتائج البحث أن المواقف والمعايير الذاتية والضوابط السلوكية لها تأثير معنوي وإيجابي على إرادة استخدام التكنولوجيا المالية (FINTECH) مع التدين كمتغير معتدل في المؤسسات المصرفية بمدينة جايابورا. وفي نفس الوقت، اقتدر التدين على إعتدال العلاقة بين المعايير الذاتية والإرادة. أما بنسبة العلاقة بين المواقف، أن الضوابط السلوكية والإرادة لا يعتدلهما التدين في هذا البحث. بناءً على نتائج البحث، من المتوقع أن تزيد المؤسسات المصرفية التقييمات الإيجابية للتكنولوجيا المالية ويمكنها الاستفادة من وسائل التواصل الاجتماعي والتعاون مع المؤثرين في إنماء إرادة استخدام التكنولوجيا المالية في المؤسسات المصرفية بمدينة جايابورا

DAMPAK DUAL BANKING SISTEM PADA STABILITAS PERBANKAN DI INDONESIA

This study aims to discuss the implementation of the dual banking system at the level of banking stability in Indonesia in terms of the framework and the impact it has. The analysis method uses library research to collect reading references related to the dual banking system and banking stability. The results of the study indicate that the application of the dual banking system is following the diverse characteristics of the Indonesian people and the majority are Muslim. As for banking stability with the implementation of this dual banking system, it has a good impact which provides good justification for countries implementing the process due to several benefits including increasing overall banking stability which is good for the economy; can meet the needs of consumers who want products according to their religious beliefs without sacrificing stability; In times of crisis, Islamic banks are better than conventional so they are relatively immune to crises

Interest in Saving Students at Sharia Banks in Jayapura City, Papua Province

AbstractPurpose - This study aims to determine the effect of attitude variables, subjective norms and perceived behavioral control on the interest of IAIN Fattahul Muluk Papuan students in saving at Islamic banks.Method - This research is a quantitative study using multiple regression analysis method with three X variables and one Y variable where the data in this study were obtained from 70 students who were collected by distributing questionnaires.Result - The results of this study indicate that subjective attitudes and norms have no effect on students' interest in saving in Islamic banks. Only behavioral control has a significant effect on students' interest in saving in Islamic banks.Implication - This research has implications for controlling student behavior about Islamic banking by holding courses on Islamic banking that make students aware of banking products and services. Furthermore, to improve attitudes and subjective norms among students, so that the interest in saving at Islamic banks is further enhanced.Originality - This study saw firsthand that subjective attitudes and norms had no effect on students. Only behavioral control affects students so that later it can influence other students to save at Islamic banks

Understanding The Drivers of Interest in Fintech Adoption: Examining The Moderating Influence of Religiosity

Fintech is an innovation in financial services with the application of modern technology to introduce practicality, convenience, ease of access, and affordable costs. The purpose of this study was to examine the impact of attitudes, subjective norms, and behavioral control in the theory of planned behavior on interest in utilizing fintech, using religiosity as a moderation variable. This research is a quantitative study with explanatory research method to prove the research hypotheses. Data were gathered through the distribution of questionnaires to 570 respondents who had or were utilizing fintech, and analyzed using partial least squares (PLS). The findings revealed that attitudes, subjective standards, and behavioral control had a substantial impact on interest in utilizing fintech, while religiosity does not moderate the relationship between variables. As a result, fintech service providers are advised to increase positive assessments of the use of fintech services, to make use of social media, and to collaborate with influencers to hype up Indonesians' interest in using fintech. The research findings could be useful for increasing interest in utilizing fintech by engaging in tangible consumer financial and technology education that supports wider adoption of fintech. Keywords: planned behavior, subjective norm, behavioral control, fintec

Does knowledge and brand image affect the intention to save in Islamic banks?

Purpose- This study aims to determine the effect of knowledge and brand image variables related to the interest of IAIN Fattahul Muluk Papua students in saving at Islamic banks. Method- This research is a quantitative research using multiple regression analysis method with two X variables and one Y variable and the data in this study were obtained from 62 students who were collected through questionnaires distributed. Result- The results of the study show that knowledge and brand image have a significant effect on students' interest in saving at Islamic banks. Implication- This research has implications for increasing students' knowledge of Islamic banks by providing courses that are directly integrated into the application of products and services in Islamic banks. Furthermore, to increase the brand image of Islamic banks among students, they can continue to collaborate between the two institutions. Originality- This study looks directly at the influence of knowledge and brand image by students which will be able to influence them to save at Islamic banks. Considering that there are not too many Islamic banks in the province of Papua and they are still very new

Pengaruh Religiusitas dan Perilaku Terencana Terhadap Minat Menggunakan Cashless Pada Masyarakat Kota Jayapura dimasa Covid-19

Penelitian ini bertujuan untuk meneliti pengaruh religiusitas dan perilaku terencana (sikap, norma subyektif dan kontrol perilaku) terhadap minat menggunakan cashless pada masyarakat Kota Jayapura dimasa Covid-19. Metode penelitian yang digunakan adalah regresi linear berganda dengan variabel terikat adalah religiusitas, sikap, norma subyektif dan kontrol perilaku serta minat sebagai variabel bebas. Hasil penelitian menunjukan bahwa religiustas dan kontrol perilaku berpengaruh signifikan secara parsial terhadap minat menggunakan cashless pada masyarakat Kota Jayapura dimasa Covid-19. Religiusitas, sikap, norma subyektif dan kontrol perilaku berpengaruh secara simultan terhadap minat menggunakan cashless pada masyarakat Kota Jayapura dimasa Covid-19. Hasil Penelitian menunjukan bahwa secara parsial variabel religiusitas, sikap dan kontrol perilaku berpengaruh signifikan terhadap minat menggunakan cashless dimasa Pandemi covid-19 pada masyarakat Kota Jayapura. Sedangkan norma subyektif tidak berpengaruh signifikan terhadap minat menggunakan cashless dimasa Pandemi covid-19 pada masyarakat Kota Jayapura. Selanjutnya uji simultan menunjukan variabel religiusitas, sikap, norma subyektif dan kontrol perilaku secara bersama berpengaruh signifikan dengan nilai signifikansi sebesar 0,000