Analisis Intensi Masyarakat Muslim di Indonesia dalam Menggunakan Bank Syariah: Integrated Model
Bibliographic record
Abstract
Penelitian ini dilakukan untuk menganalisa intensi masyarakat muslim di Indonesia dalam menggunakan bank syariah. Penelitian disusun menggunakan pendekatan integratif, dimana Technology Acceptance Model (TAM) dan Theory of Planned Behavior (TPB) diintegrasikan dengan menambahkan variabel religiusitas untuk melihat pengaruhnya terhadap intensi masyarakat muslim dalam menggunakan Bank Syariah. Variabel yang digunakan meliputi perceived ease of use, perceived usefulness, attitude, subjective norm, perceived behavioral control, dan Religiosity. Data penelitian yang digunakan adalah data primer yang dikumpulkan dengan menggunakan kuesioner pada periode Maret – Juli 2021. Responden terdiri dari masyarakat muslim Indonesia yang merupakan nasabah bank syariah dengan jumlah 500 responden yang tersebar di 34 Provinsi di Indonesia. Analisis data menggunakan metode Partial Least Square Structural Equation Modelling (PLS-SEM). Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived usefulness berpengaruh positif dan signifikan terhadap attitude. Kemudian, attitude, subjective norms, perceived behavioral control, dan religiosity berpengaruh positif dan signifikan terhadap intensi. Hal ini berarti bahwa intensi masyarakat muslim di Indonesia dapat dipengaruhi oleh variabel penelitian yang diajukan. Hasil penelitian ini diharapkan bisa memberikan masukan kepada pelaku industri dan regulator untuk meningkatkan pertumbuhan dan pangsa pasar perbankan syariah.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.001 | 0.001 |
| Meta-epidemiology (broad) | 0.001 | 0.001 |
| Bibliometrics | 0.002 | 0.003 |
| Science and technology studies | 0.001 | 0.000 |
| Scholarly communication | 0.001 | 0.002 |
| Open science | 0.001 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.000 | 0.003 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".