Widya Dharma Journal of Business - WIJoB

SHARIA FINTECH ADOPTION MODEL: THE ROLE OF HALAL AWARENESS AND SHARIA FINANCIAL LITERCY IN THE PERSPECTIVE OF EXPECTATION AND ACCEPTANCE MODELS

Muhfiatun Muhfiatun, Dini Maulana Kestari, Reni Furwanti — Sat, 31 Oct 2026 00:00:00 +0700

This study aims to analyze the factors that affect public interest in adopting sharia FinTech in Indonesia by emphasizing the role of halal awareness and sharia financial literacy, as well as examining the role of mediation perceived usefulness and perceived ease of use. This research is motivated by the great potential of the sharia FinTech industry in Indonesia which has not been balanced with an optimal level of public adoption. This research is an explanatory research conducted using survey methods and quantitative approaches. The sample in the study is 350 of Islamic banking customers throughout Indonesia. Then, the research data was analyzed using a multivariate technique with structural equation modeling (SEM-PLS) through an analysis of the technology acceptance model to test the relationship between variables. The expected results show that Islamic financial literacy and halal awareness can increase the perception of benefits and ease of use of Islamic FinTech services, which ultimately encourages public interest in adoption. The findings of this study are expected to make a theoretical contribution to the development of technology adoption models in the context of Islamic finance and provide practical implications for the development of education strategies and innovation for Islamic FinTech services in Indonesia.

The Impact of Flash Sale, Free Shipping, and Payment Convenience on Impulse Buying Behavior among Marketplace Consumers in the Special Region of Yogyakarta

Rafael Kristianto, Reza Widhar Pahlevi — Sat, 31 Oct 2026 00:00:00 +0700

This study aims to identify the factors that influence consumers' impulsive purchases on marketplaces in Special Region of Yogyakarta, focusing on the variables of flash sale, free shipping, and ease of payment. The employed sampling approach was non-probability sampling utilizing a purposive strategy, whereby sample selection was predicated on established criteria. The study's criteria for respondents included users of marketplace platforms in Indonesia who actively engage in purchases and had previously utilized flash sale, free shipping, and digital payment methods in their transactions. The precise population size for this study remains undetermined. However, the optimal sample size was approximated to be 260 respondents based on 26 indicators. Multiple regression analysis served as the analytical instrument. The study's findings indicate that impulse purchasing is substantially and positively influenced by flash sale, while free shipping and ease of payment do not significantly affect impulse purchasing. Additionally, the combined effect of flash sale, free shipping, and ease of payment is significant on impulse purchasing.

THE EFFECT OF ETHICAL LEADERSHIP AND WORKPLACE SPIRITUALITY ON PERFORMANCE THROUGH THE MEDIATION OF ISLAMIC WORK ETHICS: A STUDY AT PRIVATE UNIVERSITY X IN YOGYAKARTA

Syska Lady Sulistyowatie, Tego Sudarto — Sat, 31 Oct 2026 00:00:00 +0700

This study examines the influence of ethical leadership and workplace spirituality on employee performance, with Islamic Work Ethic serving as a mediating variable, at Private University X in Yogyakarta. A quantitative research design was employed using a census sampling technique that included all 164 employees. Data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method. The results indicate that neither ethical leadership nor workplace spirituality has a direct, significant impact on employee performance. However, ethical leadership and workplace spirituality significantly and positively influence Islamic Work Ethic. Furthermore, Islamic Work Ethic exerts a positive and significant influence on employee performance. Mediation analysis reveals that Islamic Work Ethic significantly mediates the relationship between ethical leadership and employee performance, as well as the relationship between workplace spirituality and employee performance. These findings suggest that enhancing employee performance can be achieved more effectively by instilling a strong Islamic work ethic, reinforced by ethical leadership practices and a work environment that supports spiritual aspects.