Vol. 8 No. 2 (2020): AL-MUZARA'AH (December 2020)

Penerapan UTAUT untuk Memahami Akseptansi Mahasiswa terhadap Inovasi Cicilan Buku Berakad Murabahah

Izza Syafira Amalia (Universitas Muhammadiyah Sidoarjo)
M. Ruslianor Maika (Universitas Muhammadiyah Sidoarjo)

Article Info

Publish Date
24 Dec 2020


The increasing interest of the Muslim community in Indonesia in the consumption of goods and services labeled halal has certainly made all things with a halal perspective appear. Fintech (financial technology) as a form of digitization of the rapid development of technology is also used in the financial sector. The focus discussed in this study is the obligation of students to have books and how the website innovation system works using the murabaha contract. This study uses a phenomenological approach by conducting interviews with 40 students of the Muhammadiyah University of Sidoarjo who have used and made transactions on the website. The data obtained from the interviews were reprocessed using the Atlas.ti software. The results showed that from the website, students were quite helped by the facilities provided, such as payment methods that could be made online or collectively as well as payment methods that could be made in installments. Additions and feature enhancements are also expected by users to be added to the website.

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Journal Info





Economics, Econometrics & Finance Other


Al-Muzara'ah –Journal of Islamic Economics and Finance, is a collaborative journal of the Department of Islamic Economics, Bogor Agricultural University with the Indonesian Association of Islamic Economist (IAEI). The aim of the journal is to communicate and as the media of academic ...