Dampak Literasi Keuangan Dan Inklusi Keuangan Terhadap Keputusan Mahasiswa Dalam Menggunakan Layanan Dan Produk Bank Syariah
DOI:
https://doi.org/10.59059/jupiekes.v2i2.1204Keywords:
Financial literacy, financial inclusion, decisionsAbstract
This research aims to see the effect of financial literacy and financial inclusion on student decisions in using Islamic bank products and services. The type of research used in this research is quantitative with data collection techniques used are questionnaires and questionnaires. The method of determining the sample using the slovin formula obtained 30 research respondents. The data analysis technique uses Structural Equation Modeling (SEM) with the help of SPSS. This study shows that financial literacy and financial inclusion variables have a positive and significant impact on student decisions in using Islamic bank products and services. This research is expected to be able to change the mindset of students towards the use of products and services of Islamic banks. Then it is expected that students use Islamic financial services not on the basis of literacy or inclusion but pay attention to the application of sharia.
References
Abustan , 2017. Risk Assessment Of Nitrate Transport Through Subsurface Layers And Groundwater Using Experimental And Modeling Approach.
Bank Indonesia. 2016. Peraturan Bank Indonesia Nomor 18/40/PBI/2016 tentang Penyelenggaraan Pemrosesan Transaksi Pembayaran. Jakarta: Bank Indonesia.
Burhanuddin, Chairul Ikhsan dan Muhammad Nur Abdi. Tingkat Pemahaman dan Minat Masyarakat dalam Penggunaan Financial technology. Volume 3 Nomor 1 February 2019.
Cintya Restu Destianata, Lutfi (2017) Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi. Volume 6 Number 2.
Evi Aviyah dan Muhammad Farid, “Religiusitas, Kontrol Diri Dan Kenakalan Remaja”, Journal Psikologi Indonesia, Vol. 3, NO.02 (Mei 2014)
Hutabarat, Febriana. 2018. Pengaruh Literasi Keuangan dan Financial Technology terhadap Inklusi Keuangan pada Masyarakat Jabodetabek.
Kasmir, 2018. ANALISIS LAPORAN KEUANGAN. Jakarta : RajaGrafindo Presad.
Lusardi, A., Keller, P. A, & Keller, A. M. (2022). New ways to make people sSave: A social marketing approach. National Bureau of Economic Research Working Paper 14715. Cambridge, MA: NBER.
Otoritas Jasa Keuangan (OJK), Survey Nasioanal Literasi dan Inklusi Keuangan Revisi 2017.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.