The development of Islamic Fintech in Indonesia shows promising progress. As of April 2021, there are 146 fintech companies. However, this large number of companies is only able to reach 7% of the total population in Indonesia. This study aims to examine what factors that influence the intention to use Islamic fintech in Indonesia by testing the UTAUT 2 theory developed by Venkatesh with the addition of Islamic Financial Literacy as a moderating variable. Data was collected through an online questionnaire adapted from previous research. 30 data from respondents are collected then tested using the SEM-PLS analysis method with the WarpPLS 7.0 and SPSS 24. The test show that Performance Expectancy (PE), Effort Expectancy (EE), Facilitating Conditions (FC), and Price Value (PV) affect Behavioral Intention (BI) positively and significantly. Furthermore, Social Influence (SI) and Hedonic Motivation (HM) show a positive but not significant effect. Likewise, Islamic Financial Literacy as a moderating variable does not affect the relationship between SI and HM to BI

Tujuan- Penelitian ini bertujuan untuk menginvestigasi factor inheren pembentuk beragam keputusan investasi dalam pemilihan saham berbasis konvensional atau Syariah.Desain/Metodologi/Pendekatan- Dengan menggunakan metode kuantitatif, artikel ini menggunakan metode confirmatory factor analysis (CFA) pada dua kelompok sampel pemuda yaitu 56 orang pemilih saham konvensional, dan 54 saham Syariah.Hasil Penelitian- Hasil dari penelitian ini menunjukkan bahwa faktor-faktor yang mempengaruhi investor muda saham konvensional adalah Setup Value, diikuti oleh Return Attractiveness, dan Added Value, sedangkan untuk investor saham syariah dipengaruhi oleh faktor Spirituality, diikuti oleh Setup Value, Sharia Attractiveness, dan Return Attractiveness. Implikasi dari penelitian ini adalah faktor Spirituality dan Sharia Attractiveness sebagai faktor pembeda antara investor saham konvensional dan syariah dalam memutuskan untuk berinvestasi.Keterbaruan/Nilai- Penelitian ini menginvestigasi respon dari para investor muda, dan menjadi factor unik karena jumlah mereka, khususnya mahasiswa/i relatif kecil. Penelitian ini juga mengungkap proses pembentukan respon pemilihan saham baik konvensional maupun islami dalam kelompok investasi tertentu.

BMT KUBE Sejahtera 036 as an Islamic microfinance institution has not only economic functions but also social functions, which is empowering the community's economy. This study aims to determine the role as well as the supporting and inhibiting factors of BMT KUBE Sejahtera 036 in empowering the community's economy in Maccini Gusung. The research method used is a qualitative method with data analysis techniques from Miles and Hubberman which consists of reduction, data presentation, and conclusion. The results showed that BMT KUBE Sejahtera 036 played a role in empowering the community's economy through increasing customer income, enhancing the entrepreneurial spirit of the surrounding community through training and improving skills as well as providing the capital needs of MSMEs. The supporting factors of BMT KUBE Sejahtera 036 in empowering the community's economy are the right market and good service quality. In addition, programs or policies for extending payment terms and eliminating fines also increase public interest in accessing financing through this BMT. While the inhibiting factors are the lack of promotion, the emergence of other financial institutions, the implementation of financing procedures is not optimal, and the limited amount of capital.

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