Pengaruh Tingkat Pengetahuan, Keamanan, dan Kemudahan Terhadap Pemanfaatan Layanan BSI Dalam Pembayaran UKT Mahasiswa FEBI di UIN STS Jambi
Abstract
This study aims to analyze the influence of knowledge level, security, and ease of use on the utilization of Bank Syariah Indonesia (BSI) services for the payment of *Uang Kuliah Tunggal* (UKT—single tuition fees) by students of the Faculty of Islamic Economics and Business (FEBI) at UIN Sulthan Thaha Saifuddin Jambi. The study employs a quantitative approach using a survey method. The population consists of 2,087 students, with a sample of 100 respondents determined via the Slovin formula and purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed through Structural Equation Modeling–Partial Least Squares (SEM-PLS) using SmartPLS 4. The results indicate that the level of knowledge has a positive and significant influence on the utilization of BSI services, with a path coefficient of 0.358 and a t-statistic of 4.001. Security also exerts a positive and significant influence, with a path coefficient of 0.447 and a t-statistic of 2.569. Meanwhile, ease of use has a positive but non-significant influence, with a path coefficient of 0.143 and a t-statistic of 0.854. The coefficient of determination (R-square) of 0.851 indicates that these three variables account for 85.1% of the variation in the utilization of BSI services. The study concludes that enhancing student knowledge and strengthening transaction security are crucial aspects in promoting the use of BSI services for UKT payments. These findings are expected to provide insights for service providers to improve digital literacy and user trust.
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