The growth of sharia fintech is not proportional to the majority of the Muslim population. There are only a few studies that discuss the behavioral intentions of consumers who use sharia fintech. This study aims to identify the factors influencing Muslim's behavioral intentions in using sharia fintech. This study conducted 400 respondents in four types of sharia fintech (digital payment, lending, crowdfunding, and risk and management). This study uses a structural Equation Modeling - Partial Least Square (SEM-PLS) approach. Variable Planned behavior (PB), Acceptance Model (AM), Use of Technology (UT), Digital Literacy (DL), and Sharia Financial Literacy (SFL) have significant positive effects on Behavior Intention (BI). This study provides recommendations to improve the distribution of internet access infrastructure and the right curriculum in increasing digital literacy, Islamic finance literacy, and also more accessible fintech services.JEL Classification: D83, D91, G2, Z1How to Cite:Setiawan, D., Darwanto., & Gunanto, E. Y. A. (2021). Determinants of Behavioral Intentions to Use Sharia Financial Technology. Signifikan: Jurnal Ilmu Ekonomi, 10(2), 325-342. https://doi.org/10.15408/sjie.v10i2.21451.
GDP is the main indicator of economy which reflects economic activities in a country. In fact, shadow economy is exist in every country, it is some of the activities which are not included in the national account. This condition can lead to a biased policies. So that, it is important to take into account the shadow economy when formulating policies. There are no such of data for shadow economy activities. The purpose of this research is to estimate shadow economy in seven developing countries of ASEAN. The estimation method used is the MIMIC approach in the period of 2007-2016. Besides, this research also examines the influence of the institutional quality on the shadow economy development. The results show that shadow economy in ASEAN has increased since 2007. Thailand is a country with the largest shadow economy among the ASEAN member countries with an average of 46.84% of GDP. On the other hand, the institutional quality shows a negative relationship with the development of shadow economy, except regulatory quality. Variables of control of corruption, political stability and absence of violent, and voice and accountability have influence on reducing the shadow economy development.
Facing the era of disruption that is happening right now, learning done for students must lead to the development of higher-order thinking skills. This abilityis one of the provisions for participants to face competition in the future. Mathematical creative thinking ability is one of the higher order thinking abilities in mathematical ability.
Education curriculum in Indonesia focuses on the ability of hard skills and soft skills. Both of these capabilities must be synergized and balanced in their implementation in realizing learning goals and also curriculum objectives. Hard skills have several types, namely: mathematical understanding, mathematical reasoning, mathematical problem solving, mathematical communication, mathematical connections, mathematical logical thinking, mathematical critical thinking, and mathematical creative thinking. Each of these types has an indicator so that learning objectives are achieved.
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