Borneo Islamic Finance and Economics Journal

The Impact of Digital Literacy and Biographical Characteristics on Employee Performance with Motivation as a Moderating Variable: A Case Study of Bank Muamalat in Palu, Indonesia

2025-06-30T16:37:43+08:00

This study aims to analyze the influence of biographical and digital literacy on employee performance with motivation as a moderating variable at Bank Muamalat Kota Palu, both partially and simultaneously. Using an associative quantitative approach, this study collected primary data through observation and questionnaires. The entire population was used as a sample. Data analysis using SPSS version 24 for windows, including the classical assumption test and MRA. The results of the T test showed that the digital literacy variable had a positive and significant effect on employee performance, while biographical had no positive and insignificant effect. Motivation was not proven to moderate the influence of digital literacy characteristics or biographies on employee performance. The F test revealed that digital literacy and biographical simultaneously affected employee performance with motivation as a moderating variable. The coefficient of determination (R Square) of 0.652 indicates that the independent variable affects the dependent variable by 65.2%, while the rest is influenced by other variables not studied. This study provides valuable insight into the dynamics of factors that influence employee performance in the Islamic banking sector, especially at Bank Muamalat Kota Palu.

The Influence of Income, Religiosity, Credibility and Social Media on the Decision to Pay Zakat, Infaq and Shadaqah (Study on UPZIS of Jabal Nur Jami Mosque, Samarinda Ulu District)

2025-06-30T21:04:17+08:00

East Kalimantan Province has considerable potential for collecting Zakat, Infaq, and Sadaqah (ZIS). To realize this potential, BAZNAS continues to optimize revenue by activating Zakat Collection Units (UPZ) within various regional government organizations and expanding the zakat collection network down to the village level. The UPZIS at Jami’ Jabal Nur Mosque in Samarinda Ulu District is one of the UPZIS units directly supervised by BAZNAS of Samarinda City. This study aims to determine the influence of income, religiosity, credibility, and social media on the decision to pay zakat, infaq, and sadaqah at the UPZIS using a quantitative associative approach. Through purposive sampling, a research sample of 91 respondents was obtained. The data were tested using multiple linear regression with SPSS VER.21. The results of the study show that income, credibility, and social media each do not have a significant partial effect, while religiosity has a significant partial effect. Simultaneously, income, religiosity, credibility, and social media were found to have a significant effect. The coefficient of determination indicates that 24.2% of the decision to pay is influenced by these four variables, while 75.8% is influenced by other factors outside the scope of this study.

Keywords: Income, Religiosity, Credibility, Social Media and Decision to Pay

Determinants of QRIS as a Payment Method for ZIS at BAZNAS Banjarmasin: The Role of Perception, Ease of Use, and Religiosity

2025-07-14T13:40:03+08:00

The rapid development of technology has driven the adoption of digital payment systems, one of which is QRIS (Quick Response Code Indonesian Standard), which facilitates transactions. This study aims to analyze the effect of perceived benefits and ease of use on the decision to use QRIS at BAZNAS Kota Banjarmasin, with religiosity as a moderating variable. The research method used is a quantitative approach with data collected through questionnaires and analyzed using PLS (Partial Least Squares) with SmartPLS software. The population of the study consists of the people of Kota Banjarmasin, with 100 respondents. The results show that perceived benefits and ease of use positively influence QRIS adoption. Religiosity does not strengthen the effect of perceived benefits, but it can strengthen the effect of ease of use on the decision to adopt QRIS.

The Influence of Financial Technology and Sharia Compliance on Consumer Trust (A Study on Students of the Faculty of Economics and Business, Mulawarman University, Users of Quick Response Code Indonesian Standard Mobile Banking by Bank Syariah Indonesia)

2025-07-22T11:40:22+08:00

This research was conducted by Noor Armalia Putri with the title "The Influence of Financial Technology
Innovation and Halal Aspects on Consumer Trust (Study on Students of the Faculty of Economics and
Business, Mulawarman University, Users of Quick Response Code Indonesian Standard Mobile Banking
by Bank Syariah Indonesia)" under the guidance of Purwanti. This research aims to determine the influence
of financial technology innovation and halal aspects on consumer trust among students at the Faculty of
Economics and Business, Mulawarman University who use QRIS Mobile Banking by Bank Syariah
Indonesia. The method used in this research is a quantitative approach. The population in this study was
active students of the Faculty of Economics and Business, Mulawarman University, with a total sample of
97 respondents selected through purposive sampling. Data collection was carried out through
questionnaires distributed via Google Forms on the WhatsApp application. Data analysis techniques
included validity tests, reliability tests, ordinal logistic regression analysis, overall model fit tests, goodness
of fit tests, Nagelkerke R Square, and Wald tests (partial t-tests). The results of this research indicate that
both financial technology innovation and halal aspects have a positive and significant influence on
consumer trust. This shows that students who benefit from technological convenience and believe in the
halal integrity of the system tend to have higher trust in QRIS services by Bank Syariah Indonesia..
Keywords: Financial Technology Innovation, Halal Aspects, Consumer Trust