Pengaruh Digitalisasi Sistem Pembayaran Iuran Bulanan melalui Layanan Perbankan Digital terhadap Efektivitas Pembayaran Wali Santri di Pondok Pesantren Baiturroki’ah Batam

Fikri Irpan Fauzi

doi:10.61132/santri.v4i4.2622

Authors

Fikri Irpan Fauzi Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta

DOI:

https://doi.org/10.61132/santri.v4i4.2622

Keywords:

Digital Banking, Digital Payment, Islamic Boarding School, Payment Effectiveness, Student Guardians

Abstract

This study examines the effect of payment system digitalization through digital banking services on the effectiveness of monthly fee payments by student guardians at Baiturroki’ah Islamic Boarding School, Batam. The study employed a quantitative associative survey design. The population consisted of 120 resident-student guardians, and 92 respondents were selected using simple random sampling. Data were collected through a five-point Likert questionnaire and supporting financial documentation. The data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS. The measurement model showed adequate convergent and discriminant validity and construct reliability. The structural model produced an R-square of 0.598, indicating that payment system digitalization explains 59.8% of the variance in payment effectiveness. Bootstrapping showed a positive and significant path coefficient of 0.773, with a T-statistic of 18.912 and P-value of 0.000. Supporting financial records also showed that payment collection increased from 86.17% in 2024 to 97.11% in 2025, while arrears decreased from Rp149.4 million to Rp31.2 million. The findings indicate that digital payment channels improve payment accessibility, timeliness, administrative efficiency, information accuracy, transparency, and service continuity.

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