Equation Modeling-Partial Least Research Articles

Analysis of Factors Affecting Adoption Fintech Sharia: Literacy Perspective, Interests, Risk Management, and Sharia Compliance (Case Study on High School, Vocational School and Cileungsi Students)

This study aims to analyze the influence of literacy, interest, risk management, and Sharia compliance on the adoption of Sharia fintech, with a case study of high school, vocational school, and university students in East Bogor. The research sample consists of 100 respondents, and the data analysis technique used is Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results show that literacy has a significant influence on the adoption of Sharia fintech, with a P- value of 0.007 (less than 0.05) and a T-statistics of 2.693. This indicates that a good understanding of Sharia fintech increases the likelihood of adoption. Additionally, interest was found to have a highly significant influence on the adoption of Sharia fintech, with a P-value of 0.000 and a T-statistics of 3.594. This confirms that individuals' desire and interest in Sharia fintech services play a crucial role in driving adoption. Risk management also proved to have a statistically significant relationship with the adoption of Sharia fintech, with a P-value of 0.011 and a T- statistics of 2.557. This suggests that the ability to manage and understand the risks associated with Sharia fintech affects the decision to adopt such services. However, the study results indicate that Sharia compliance does not have a statistically significant relationship with the adoption of Sharia fintech, with a P-value of 0.221 (greater than 0.05) and a T-statistics of 1.227. This means that in this study, adherence to Sharia principles does not significantly influence the decision of individuals or institutions to adopt Sharia fintech.

Exploring Technological Factors and Cloud Accounting Adoption in MSMEs: A Comprehensive TAM Framework

The adoption of cloud accounting technology among micro, small, and medium enterprises (MSMEs) is becoming increasingly vital for enhancing corporate efficiency and sustainability. However, the adoption rate requires enhancement due to several obstacles, including insufficient digital literacy (DLC) and technological complexity (CX). This study aims to identify the factors influencing the adoption of cloud accounting in MSMEs using TAM framework. This research encompassed 307 participants from MSMEs in Indonesia, with data gathered via surveys and analyzed with the Structural Equation Model—Partial Least Squares (SEM-PLS). DLC and compatibility (CO) substantially affect the perceived ease of use (PE) and usefulness (PU) of cloud accounting technology. Meanwhile, relative advantage (RA) positively impacts PE but does not significantly influence PU. CX greatly influenced users’ intention (INT) to embrace cloud accounting. These findings highlights the crucial role of TAM and indicate that enhancing DLC and CO alongside current business practices is essential to promoting technology adoption. This study provides practical recommendations for policymakers and technology providers to improve the use of digital technologies among MSMEs.

The Impact of Strategic Performance Index and Intellectual Capital on Sharia Commercial Banks in Indonesia

The purpose of this study is to determine how the Islamic Performance Index and Intellectual Capital affect Indonesia's Sharia Commercial Banks' financial performance from 2013 to 2023. Every year, the banking industry grows, making sharia banking necessary to rival traditional banking. Sharia banks must be able to increase their profitability by focusing on added value via intelligence and sharia compliance because conventional banking still commands a larger portion of the market and more consumers than sharia banks. In this investigation, panel data regression is used in conjunction with the WarpPLS 8.0 program to create the Structural Equation Model Partial Least Square (SEM-PLS). The results of this study show that the VAIC has a fairly favorable impact on the performance of the VAIC Sharia Commercial Bank. ROA is unaffected by VAHU or VACA, however there is a significant positive benefit from the three markers used to measure IC VACA. ZPR has no influence on ROA, but PSR and IsIN have an impact on ROA for IPI.

Pengaruh Literasi Keuangan, Bias Herding, Bias Keterwakilan, dan Locus of Control Terhadap Keputusan Investasi Seluruh Mahasiswa di Kota Surabaya

This study aims to analyze and examine the influence of financial literacy, herding bias, representativeness bias, and locus of control on the investment decisions of all students in Surabaya. This research uses a quantitive approach. The study was conducted on 129 active studet respondents in Surabaya. The data analysis technique used in this study is the Structural Equation Model-Partial Least Square (SEM-PLS) approach with SmartPLS4.0. The data source used in this study is primary data from questionnaires distributed to respondents. Based on the test results conducted, this study shows that financial literacy has a significant positive effect on investment decisions, herding bias has a significant positive effect on investment decisions, representativeness bias has a significant positive effect on investment decisions, and locus of control has a significant positive effect on investment decisions.

Bagaimana Workplace Ostracism Mempengaruhi Turnover Intention yang Dimediasi oleh Job Performace dan Organizational Virtuousness Serta Authentic Leadership Sebagai Moderasi

This study examines the impact of workplace ostracism on employee turnover intention in manufacturing companies in Bekasi Regency, as well as the moderating roles of authentic leadership and organizational virtuousness in this relationship. Utilizing a quantitative approach with an online questionnaire employing a Likert scale, the research involved 202 respondents selected through purposive sampling. Data analysis was conducted using Structural Equation Modeling-Partial Least Square (SEM-PLS) to assess the relationships among variables and their validity. The findings indicate that workplace ostracism significantly affects employee turnover intention. However, perceptions of organizational virtuousness and authentic leadership did not positively moderate this relationship. Additionally, workplace ostracism negatively impacts job performance, while lower job performance is negatively related to turnover intention. These results underscore the importance of fostering an inclusive and supportive work environment to mitigate ostracism, enhance job performance, and increase employee retention.

Penggunaan Chatbot dan E-Service Quality Terhadap Kepuasan dan Loyalitas Konsumen pada UMKM Digital di Kabupaten Pasuruan

This study aims to identify the effect of using chatbots and e-service quality on consumer satisfaction and loyalty in Digital MSME in Pasuruan Regency, This type of research is explanatory research with a quantitative approach. the data collection technique used is a questionnaire distributed offline. The sample used in the study was 116 respondents with a purposive sampling method, and the analysis results used a variant-based structural equation model Partial Least Square (PLS). Based on the results of this study, it can be seen that the use of chatbots has a positive and significant effect on satisfaction, the use of chatbots has a positive and significant effect on consumer loyalty, e-service quality has a positive and significant effect on satisfaction, e-service quality has a positive and significant effect on consumer loyalty, satisfaction has a positive and significant effect on consumer loyalty.

Determining Key Factors of Customer Satisfaction and Repurchase Intention for Azarine Cosmetic on Shopee

With the development of the beauty industry, especially in the realm of local products, companies need to maintain customer loyalty. This study aims to evaluate the relationship between EWOM, brand image, product quality, and price perception that influence repurchase intentions and their impact on customer satisfaction of the Azarine Cosmetic brand on the Shopee platform. Using a quantitative approach, this study involved 135 respondents in Jabodetabek who have used Azarine products and purchased them on Shopee at least once. The data analysis method used was Structure Equation Modeling-Partial Least Squares (SEM-PLS). The study results indicate that product quality and price perception have a significant impact on customer satisfaction and repurchase intention. Meanwhile, EWOM and brand image do not have a significant impact on customer satisfaction and repurchase intention. Customer satisfaction also significantly affects repurchase intention. Customer satisfaction partially mediates the relationship between product quality and repurchase intention, but does not mediate the relationship between EWOM, brand image, and price perception on repurchase intention.

The Analysis of Factors Influencing Online Shopping Behavior in COVID-19 Pandemic: The Study of Indonesian Millenial Generation

The COVID-19 pandemic has led to significant shifts in consumer behavior, particularly in terms of shopping preferences and behavior, with a marked increase in online shopping. This study aims to re-examine the factors influencing online shopping behavior during the COVID-19 pandemic by integrating the framework of the Theory of Planned Behavior (TPB), the Technology Acceptance Model (TAM), and Cognitive Biases. The study focuses on Indonesian Millennials as the target population. Data analysis is conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS 3.0 software. The results show that cognitive bias, perceived usefulness, perceived ease of use, and subjective norms influence individuals' intentions to shop online. However, attitudes toward use and perceived behavioral control (PBC) do not influence individuals' intentions to shop online. Finally, the results indicate that individuals' intentions to shop online impact actual online shopping behavior. The higher the individual's intention to shop online, the more certain they are to do so during the pandemic

Quality Perception: Navigating Satisfaction and Review Credibility Pathways

This study investigates the impact of product quality on customer perceived value, cus-tomer satisfaction, and information review credibility, alongside the mediating role of cus-tomer satisfaction and information review credibility. The research employs the Infor-mation Adoption Model (IAM) to explore how these variables influence customer prefer-ences in the e-commerce sector, focusing on Somethinc skincare products in Denpasar City. Data from 126 respondents were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). Results show that product quality positively affects customer perceived value, customer satisfaction, and information review credibility. Information review credibility effectively mediates the relationship between product quality and cus-tomer perceived value, while customer satisfaction does not. These findings provide theo-retical contributions to IAM and practical insights for businesses to enhance customer trust and value perception through improved product quality and credible information dissemination.

Determinants of intention to adopt blockchain technology in oil & gas sector in Iraq

Blockchain technology is poised to significantly transform the corporate world, heralding a new era of innovation and efficiency. Over the past few years, its impact has been noted by leaders, academics, and government representatives around the globe this growing interest underscores businesses’ need to evolve and reconsider traditional operational models. To remain competitive, organizations must embrace this change. Before introducing such ground-breaking technology, it is crucial to assess the motivations of primary stakeholders concerning its implementation. This study looks into what influences the use of Blockchain technology in the oil and gas sector, primarily using a quantitative survey of Iraqi oil and gas companies. A questionnaire was distributed among 250 top-level managers, senior executives, project managers, and IT managers for analyzing the data, the study employs the Structural Equation Modelling-Partial Least Squares (SEM-PLS) technique, with Smart PLS for data processing. The findings suggest that the intention to utilise blockchain technology is influenced by one’s attitude towards it. Competitive pressure (environmental factors), functional benefit, and privacy/security (technological factors) significantly affect blockchain adoption intention. Nevertheless, there was no discernible correlation between regulatory backing and the desire to use Blockchain. Additionally, cost concern and perceived risk (organizational factors) two factors contribute negatively to the perception of blockchain technology. Besides the direct relationship, the findings revealed that attitude toward blockchain technology mediate the relationship between cost concern, perceived risk, and intention to adopt Blockchain. Built upon the Technology-Organization-Environment (TOE) model and the Theory of Reasoned Action, this research offers a comprehensive framework for investigating the intention to adopt blockchain technology. The results enhance both theoretical understanding and practical implementation by providing valuable insights into the emerging area of blockchain adoption intentions.

The Influence of Financial Literacy and Islamic Business Ethics on Investment in Islamic Financial Instruments: The Mediating Role of Risk Attitude and the Moderating Role of Religious Knowledge

Current challenges in the Islamic banking sector highlight the urgent need to understand the factors influencing ethical and informed investment decisions. This study aims to analyze the impact of financial literacy and Islamic business ethics on investment in Islamic financial instruments, focusing on the mediating role of risk attitude and the moderating role of religious knowledge. Data were collected through a primary method by distributing questionnaires to 300 bank customers and students in Aceh, Indonesia. The model employed is Structural Equation Modeling-Partial Least Squares (SEM-PLS) using Smart PLS software. The findings reveal that financial literacy significantly positively impacts investment decisions and risk attitudes. Islamic business ethics also significantly influence both investment decisions and risk attitudes. Religious knowledge positively affects investment decisions, while risk attitude has a positive impact on investments. However, the moderating effects of risk attitude and religious knowledge on investment are not significant. Risk attitude serves as a crucial mediator in the relationship between financial literacy and investment, as well as between Islamic business ethics and investment. The study underscores the importance of financial literacy, Islamic business ethics, religious knowledge, and risk attitude in shaping investment behavior in the Islamic finance sector, and highlights the need for integrating ethical practices to enhance investment outcomes.

The Effect Of Work Discipline and Work Environment On Employee Loyalty Of The Post Office Operations Division Main Branch Surabaya 60000

The goal of this study is to determine how employee loyalty is affected by work environment and discipline in the operations division of the Surabaya Main Branch Post Office 60000. Primary data from questionnaires given to respondents served as the basis for this study. Structural Equation Model-Partial Least Square (SEM-PLS) is a statistical analysis tool used in research data processing that use partial least squares analysis methodologies. According to the study’s findings, employee loyalty is positively impacted by work environment and discipline.

Influence of Classroom Management on Intermediate Level Students’ Academic Achievements in Aligarh District of Uttar Pradesh in India

This study investigates the impact of classroom management on student academic achievement at the intermediate level in Aligarh District, Uttar Pradesh, India, using Structural Equation Modeling-Partial Least Squares (SEM-PLS). A sample of 383 intermediate-level teachers was randomly selected, and student achievement data were obtained from final-year graduates. The study aims to assess the relationships between key classroom management factors—such as classroom rules, discipline methods, reward systems, and the teaching-learning process—and their influence on academic performance. SEM-PLS was employed to analyze the hypothesized model, evaluate the structural relationships between the variables, and validate measurement indicators. The results show a strong positive relationship between effective classroom management and student achievement. Key factors such as well-defined classroom rules, effective discipline, and reward systems were found to significantly influence student engagement and academic success. The model fit indices confirm the robustness of the proposed relationships. This research highlights the importance of structured classroom management in fostering student achievement and provides a comprehensive understanding of how classroom directives, rewards, and disciplinary methods contribute to learning outcomes. The findings suggest potential pathways for educational improvements and recommend further research to explore these dynamics across different educational settings using SEM-PLS.

The Effect of ERP System Utilization, Inventory Management, and Interdivisional Collaboration on Supply Chain Operational Efficiency in the Automotive Industry

This study examines the impact of ERP system utilization, inventory management practices, and interdivisional collaboration on supply chain operational efficiency in Indonesia’s automotive industry. Using a quantitative approach, data were collected from 120 respondents and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS 3). The results indicate that ERP system utilization, inventory management, and interdivisional collaboration contribute to supply chain efficiency, with a combined effect explaining 67% of the variance in operational efficiency. Findings highlight ERP systems’ role in enhancing real-time data sharing, inventory management’s impact on stock optimization, and collaboration’s ability to streamline cross-functional processes. This study provides insights for industry practitioners seeking to optimize supply chain performance through technology adoption, robust inventory practices, and cohesive interdepartmental collaboration.

The Impact of Technology Access Inequality and Digital Skill Disparities on Social Integration and Life Satisfaction in Indonesia

This study investigates the impact of technology access inequality and the digital skills gap on social integration and life satisfaction in Indonesia. Utilizing a quantitative approach, data were collected from 230 respondents using a structured questionnaire. The results were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS 3) to evaluate the relationships between variables. Findings indicate that both technology access inequality and digital skill disparities significantly influence social integration, which in turn affects life satisfaction. Notably, technology access inequality has the strongest direct effect on life satisfaction. This research underscores the necessity for targeted interventions to improve technology access and digital skills, which can enhance social cohesion and overall well-being in Indonesia.

Digital Health Technology on Patient Recovery and Nurse Performance in Indonesia

This study investigates the impact of digital health technology, nurse competence, patient safety protocols, and organizational support on patient recovery and nurse performance within the Indonesian healthcare sector. Utilizing a quantitative approach, data were collected from 120 healthcare professionals through structured questionnaires and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS 3). The findings reveal that digital health technology, nurse competence, and patient safety protocols positively influence patient recovery, while organizational support and digital health technology significantly enhance nurse performance. Organizational support and patient safety protocols emerged as the strongest predictors of nurse performance and patient recovery, respectively. These results suggest that a comprehensive approach integrating technological, safety, and support factors can substantially improve healthcare outcomes. This study offers practical recommendations for healthcare administrators and policymakers to enhance healthcare quality through strategic investments in digital tools, training, safety protocols, and supportive work environments.

The Effect of Supplier Collaboration, Transport Efficiency, Technology Adoption, and Market Demand on Distribution Efficiency and Profitability of Pumpkin Seed Supply Chain in Indonesia

This study examines the effects of supplier collaboration, transportation efficiency, technology adoption, and market demand on the distribution efficiency and profitability of the pumpkin seed supply chain in Indonesia. Using a quantitative approach, data were collected from 150 respondents involved in the supply chain, including suppliers, distributors, and logistics providers. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS 3). The findings reveal that supplier collaboration, transportation efficiency, and technology adoption significantly enhance distribution efficiency, which in turn positively impacts profitability. Market demand was also found to moderate the relationship between distribution efficiency and profitability, particularly during periods of high demand. These findings underscore the importance of fostering collaboration, optimizing transportation, and adopting technology to improve the supply chain’s operational performance and financial outcomes. The study provides valuable insights for practitioners and policymakers aiming to enhance the agricultural supply chain's competitiveness and sustainability in Indonesia.

POVERTY MODELING IN WEST KALIMANTAN USING STRUCTURAL EQUATION MODELING - PARTIAL LEAST SQUARE

Poverty remains a pervasive issue across various regions in Indonesia, often leading to significant repercussions such as hindering economic growth and exacerbating inflationary pressures within localities. Poverty has emerged as a formidable challenge for the global community, particularly for developing nations, including Indonesia. West Kalimantan is a province in Kalimantan Island with high poverty rates. This research examined the factors influencing poverty within West Kalimantan Province in 2022 using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method. This research analyzed the interrelations among poverty, education, economy, and health dimensions. Findings indicated a significant relationship between health and education dimensions. In contrast, the relationships between economic dimensions and poverty, health and the economy, and education and the economy were insignificant.

How Aware is Generation Z of Waqf? A Quantitative Study on Maqashid among Indonesian Muslim Students

This study aims to measure the influence of waqf literacy, relative advantage, religiosity, and attitude on waqf intention among Generation Z, specifically Muslim university students in Indonesia. The respondents were 505 Gen-Z students, specifically Muslim students born between 1996 and 2012 in Indonesia who have ever donated to waqf, with primary data collected through questionnaires and analyzed using the Structural Equation Modelling-Partial Least Squares (SEM-PLS) technique. In addition, the data were also analyzed using maqashid sharia theory to see the impact of waqf benefits on individuals and society in general. The results show that waqf literacy, perceived benefits of waqf activities, and religiosity level positively contribute to individuals' attitudes towards waqf, influencing Generation Z's intention to participate in waqf activities. As a form of charity derived from the Prophet Muhammad's sunnah, waqf is essential in achieving the maqashid, particularly in protecting wealth (hifz al-mal) and improving social welfare. Therefore, increasing waqf literacy through programs such as the Indonesian Waqf Awareness Movement (GISWAF), as well as improving convenience, accessibility, and regulatory clarity in waqf practices, are proposed to strengthen positive attitudes towards waqf and encourage greater participation of Generation Z in waqf activities.

Dampak Literasi Keuangan, Literasi Ekonomi, dan Pendapatan Terhadap Pengelolaan Keuangan Pribadi Generasi Z (Studi Kasus Pada Mahasiswa FEB UTS)

This study aims to analyze the effect of financial literacy, economic literacy, and digital awareness of the millennial generation on personal financial management, with a case study on students of the Faculty of Economics and Business, Sumbawa University of Technology (FEB UTS). This research uses a quantitative approach and analyzes data through the SEM-PLS (Structural Equation Modeling-Partial Least Squares) method. The independent variables in this study include financial literacy, economic literacy, and digital awareness, while the dependent variable is personal financial management. The population in this study consists of FEB UTS students who fall into the Generation Z category, with an unknown number; to determine the population, the Paul Leedy formula was used. The research sample was selected using total sampling technique or saturated sampling. Data was collected through a questionnaire using a 1-4 Likert scale, which was distributed to 100 respondents of FEB UTS students who belong to Generation Z. The results of the analysis show that financial literacy, economic literacy, and digital awareness have a significant influence on personal financial management. This research is expected to contribute to the development of more effective financial education programs among students, and can be used as a basis for educational institutions and the government in designing financial literacy policies that suit the needs of Generation Z.