Judul: Determinants of the Decision to Use LinkAja Sharia Services in Millennial Muslim Communities
Abstrak: Indonesia memiliki potensi besar dalam perkembangan industri keuangan syariah dunia, namun pangsa pasar e-wallet syariah masih lebih rendah dibandingkan dengan pangsa pasar e-wallet konvensional. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keputusan penggunaan Layanan Syariah LinkAja pada masyarakat Muslim generasi milenial. Metode analisis yang digunakan dalam penelitian ini adalah PLS-SEM yang dilakukan dengan menggabungkan analisis faktor dan analisis regresi dengan tujuan menguji hubungan antar variabel pada sebuah model. Hasil penelitian menunjukkan bahwa perceived ease of use (PEOU) berpengaruh positif terhadap perceived usefulness (PU). PEOU dan PU berpengaruh positif terhadap attitude. Tetapi, religiosity tidak berpengaruh terhadap attitude. Adapun PU, attitude, perceived behavioral control, dan subjective norm berpengaruh positif terhadap intention to use. Intention to use berpengaruh positif terhadap actual usage., Indonesia has great potential in the development of the world's halal industry, but the share of the sharia e-wallet market is still lower than the market share of convention e-wallets.This study is conducted to analyze the factors influencing the use of LinkAja Sharia Services on Muslim millennials. The analytical method used in this study is PLS-SEM which is carried out by combining factor analysis and regression analysis with the aim of examining the relationship between variables in a model. The results showed that perceived ease of use (PEOU) has a positive effect on perceived usefulness (PU). PEOU and PU have a positive effect on attitude. However, religiosity has no effect on attitude. PU, attitude, perceived behavioral control, and subjective norms have a positive effect on intention to use and intention to use has a positive effect on actual usage.
Keyword: e-wallet, millennials, LinkAja Sharia Services, PLS-SEM

Judul: Preferences of Generation Z in transacting
with Sharia Digital Banks and E-Wallets in Jabodetabek
Abstrak: Perkembangan teknologi digital ditandai dengan munculnya berbagai inovasi fintech yang menawarkan solusi keuangan yang lebih efisien dan inklusif dimana salah satunya adalah e-wallet. Di sektor perbankan muncul sejumlah bank digital termasuk yang berbasis syariah. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang memengaruhi preferensi Generasi Z dalam bertransaksi dengan menggunakan e-wallet atau dompet elektronik ataupun bank digital syariah. Data dikumpulkan dari 100 responden yang berdomisili di Jabodetabek dengan alat bantu kuesioner. Analisis data menggunakan analisis statistik deskriptif dan analisis regresi logistik. Analisis regresi logistik menunjukkan bahwa variabel yang berpeluang memengaruhi preferensi generasi Z dalam bertransaksi dengan menggunakan bank digital syariah adalah kemudahan penggunaan, keamanan, dan lingkungan sosial., The development of digital technology is characterized by the emergence of various fintech innovations that offer more efficient and inclusive financial solutions, one of which is e-wallet. In the banking sector, a number of digital banks have emerged, including those based on sharia. This study aims to identify the factors that influence Generation Z's preferences in making transactions using e-wallets or electronic wallets or Islamic digital banks. Data was collected from 100 respondents who live in Jabodetabek using a questionnaire. Data analysis uses descriptive statistical analysis and logistic regression analysis. Logistic regression analysis shows that variables that are likely to influence generation Z's preferences in transacting using Islamic digital banks are ease of use, security, and social environment.
Keyword: preferensi konsumen, bank digital syariah, e-wallet

Judul: Hydrothermal Synthesis of Biphasic Calcium Posphate
Abstrak: Biphasio calsium phosphate (BCP), which was a mixture of hydroxypatite (HA) and tricalcium phosphate (TCP), was synthesized by hydrothermal method followed by sintering process. Hydroxyapatite was produced by using natural calcium source CaO from hen's eggshell and (NH4)2HPO4 as phosphate souce, other hydroxyapatite sample was produce by using synthetic calcium source Ca(OH) and H3PO4 as phosphate source.
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