INTENSI MASYARAKAT MUSLIM MENGGUNAKAN TEKNOLOGI FINANSIAL SYARIAH DI PULAU JAWA: EKSTENSI MODEL UTAUT

• Main Author: Laetitia Firdausa, - (Author)
• Format: Book
• Published: 2023-08-16.
• Subjects: Thesis; NonPeerReviewed
• Online Access: Link Metadata
• Notes: http://repository.upi.edu/101538/3/S_EKI_1906336_Title.pdf; http://repository.upi.edu/101538/1/S_EKI_1906336_Chapter%201.pdf; http://repository.upi.edu/101538/2/S_EKI_1906336_Chapter%202.pdf; http://repository.upi.edu/101538/4/S_EKI_1906336_Chapter%203.pdf; http://repository.upi.edu/101538/6/S_EKI_1906336_Chapter%204.pdf; http://repository.upi.edu/101538/5/S_EKI_1906336_Chapter%205.pdf; http://repository.upi.edu/101538/7/S_EKI_1906336_Appendix.pdf
• Keywords: HB Economic Theory; L Education (General)

Kehadiran fintech syariah menjawab kebutuhan masyarakat Indonesia yang ingin bertransaksi lebih mudah, cepat, dan murah, serta terhindar dari praktik riba, gharar, dan maysir. Namun, fintech syariah di Indonesia masih menghadapi berbagai tantangan, antara lain jumlahnya yang sangat sedikit dibandingkan dengan fintech konvensional. Kekurangan tersebut mencakup jumlah perusahaan maupun jumlah layanan yang disediakan oleh fintech syariah. Di samping itu, research yang terkait dengan fintech syariah juga masih terbilang rendah. Berdasarkan hal tersebut, penelitian ini bertujuan untuk mengetahui pengaruh tingkat performance expectancy, effort expectancy, social influence, perceived risk, digital literacy, sharia financial literacy dan pengaruhnya terhadap behavioral intention dalam menggunakan fintech syariah. Subjek yang diteliti adalah masyarakat muslim yang belum menggunakan fintech syariah dan berdomisili di Pulau Jawa dengan jumlah sampel 334 responden. Hasil penelitian menunjukkan bahwa tingkat performance expectancy berada pada kategori sangat tinggi, selanjutnya tingkat effort expectancy, social influence, dan digital literacy dan sharia financial literacy pada ketegori tinggi, sedangkan tingkat perceived risk berada di kategori sedang. Selain itu, tingkat performance expectancy, effort expectancy, social influence dan digital literacy berpengaruh positif dan signifikan terhadap behavioral intention menggunakan fintech syariah. Sedangkan, tingkat perceived risk dan sharia financial literacy tidak berpengaruh terhadap behavioral intention menggunakan fintech syariah. The Islamic financial technology may answer the needs of the Indonesian people who want transactions to be easier, faster, and cheaper, and to avoid riba (interest), gharar (uncertainty,) and maysir (gambling) practices. However, Islamic fintech in Indonesia still faces various challenges, including its relatively small number compared to conventional fintech. These deficiencies include the number of companies as well as the number of services provided by Islamic fintech. In addition, research related to sharia fintech is still relatively low. Based on that, this study aims to determine the effect of the level of performance expectancy, effort expectancy, social influence, perceived risk, digital literacy, sharia financial literacy and its effect on behavioral intention in using Islamic fintech. The subjects examined in this research are muslim who have not yet used Islamic fintech and reside in Java Island, with a total sample of 334 respondents. The method used in this research is quantitative with a causality descriptive research design. The analysis tool used is Partial Least Square - Structural Equation Modeling (PLS-SEM) using the SmartPLS 3 application. The results of the study show that the levels of performance expectancy is in the very high category, then the level of effort expectancy, social influence, digital literacy and sharia financial literacy is in the high category, while the level of perceived risk is in the medium category. In addition, the level of performance expectancy, effort expectancy, social influence and digital literacy has a positive and significant effect on behavioral intention to use Islamic fintech. Meanwhile, the level of perceived risk and sharia financial literacy has no effect on behavioral intention to use Islamic fintech.