Literasi keuangan syariah dan transformasi digital: Analisis Perilaku Gen Z dalam pengunaan fintech
DOI:
https://doi.org/10.53088/jadfi.v5i1.1870Keywords:
Islamic Financial Literacy, Digital Transformation, Financial Technology, Financial BehaviorAbstract
This study aimed to analyze the influence of Islamic financial literacy and digital transformation on Generation Z’s behavior in utilizing Sharia-based financial technology. The research addressed the issue of low Islamic financial literacy levels among young people despite their widespread adoption of digital technologies. A quantitative approach was employed, using survey data from 71 respondents who actively used digital financial services. Multiple linear regression analysis was applied to examine the two independent variables’ partial and simultaneous effects on the dependent variable. The results indicated that Islamic financial literacy positively and significantly influenced the behavior of using financial technology. In contrast, digital transformation did not show a significant partial effect, although both variables significantly impacted Generation Z’s financial behavior. The study concluded that strengthening Islamic financial literacy is essential for shaping responsible financial behavior aligned with Islamic principles.
References
Andiani, D. A. P., & Maria, R. (2023). Pengaruh Financial Technology dan Literasi Keuangan terhadap Perilaku Keuangan pada Generasi Z. Jurnal Akuntansi Bisnis Dan Ekonomi, 9(2), 3468–3475. https://doi.org/10.33197/jabe.vol9.iss2.2023.1226
Chlorita, S., Irfan, M. D., Yusrina, F., Wijanarko, R., & Hidayat, C. M. (2024). Persepsi Gen Z Terhadap Fintech. Journal of Digital Business Innovation (DIGBI), 2(1), 40–48. https://doi.org/10.36858/digbi.v2i1.19
Fauzi, A., & Murniawaty, I. (2020). Pengaruh Religiusitas dan Literasi Keuangan Syariah Mahasiswa terhadap Minat Menjadi Nasabah di Bank Syariah. EEAJ Economic Education Analysis Journal, 9(2), 473–486. https://doi.org/10.15294/eeaj.v9i2.39541
Haryanti, P., & Azmi, M. F. (2023). Literasi Keuangan Syariah Terhadap Penggunaan Fintech Syari’ah Mahasiswa Gen Z. Al-Iqtishod : Jurnal Ekonomi Syariah, 5(2), 259–272. https://doi.org/10.51339/iqtis.v5i2.1260
Hisan, K., Muhaya, F., & Kamal, S. (2021). Tingkat literasi keuangan syariah santri dayah. J-EBIS (Jurnal Ekonomi Dan Bisnis Islam), 6(2016), 200–218. https://doi.org/10.32505/j-ebis.v6i2.3650
Lestari, A. I., Fitriyani, F., Simanungkalit, N. A., & Sanjaya, R. (2024). Pengaruh Financial Tecnology terhadap Manajemen Keuangan Generasi Z. Jurnal Rimba : Riset Ilmu Manajemen Bisnis Dan Akuntansi, 2(4), 82–89. https://doi.org/10.61132/rimba.v2i4.1331
Mudrikah, A. (2021). Pengaruh Tingkat Literasi Keuangan Terhadap minat Penggunaan Produk Finansial Teknologi Pada Mahasiswa FEBI UIN Sumatera Utara. ETNIK: Jurnal Ekonomi Dan Teknik, 1(2), 57–68. https://doi.org/10.54543/etnik.v1i2.23
Mukti, S. P., Malihah, L., & Karrimah, H. (2023). Pengaruh Fintech Payment Dan Literasi Keuangan Terhadap Perilaku Konsumsi Mahasiswa Febi Iai Darussalam Martapura. PERFORMANCE: Jurnal Bisnis & Akuntansi, 13(2), 114–127. https://doi.org/10.24929/feb.v13i2.2792
Mursalim, Oktaviani, A. R., & Abdullah. (2024). Pengaruh Literasi Keuangan, Fintech Digital Payment dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa di Kota Makassar. Jurnal Aplikasi Manajemen & Kewirausahaan MASSARO, 6(2), 76–90. https://doi.org/10.37531/yum.v6i1.3700
Novianta, E., Andani, A., . F., & Pane, S. G. (2024). Financial Technology Dan Literasi Keuangan Terhadap Generasi Z. Jurnal Ekonomika Dan Bisnis (JEBS), 4(1), 1–8. https://doi.org/10.47233/jebs.v4i1.1423
Otoritas Jasa Keuangan, & Badan Pusat Statistik. (2024). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024. https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Documents/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-(SNLIK)-2024/Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024.pdf
Pratama, A. I., & Nisa, F. L. (2024). Literasi keuangan syariah dan pengaruhnya terhadap ekonomi yang akan datang. Jurnal Rumpun Manajemen Dan Ekonomi, 1(3), 514–519. https://doi.org/10.61722/jrme.v1i3.1740
Pratama, M. F., Efendi, B., Nasution, L. N., Studi, P., Ekonomi, M., Pembangunan, U., & Budi, P. (2025). Transformasi Digital Ekonomi dalam Mendukung Inklusi Keuangan di Indonesia. MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi Dan Bisnis, 3(1), 65–85. https://doi.org/10.59246/muqaddimah.v3i1.1184
Qur’anisa, Z., Mira Herawati, Lisvi Lisvi, Melinda Helmalia Putri, & Feriyanto, O. (2024). Peran Fintech Dalam Meningkatkan Akses Keuangan Di Era Digital. GEMILANG: Jurnal Manajemen Dan Akuntansi, 4(3), 99–114. https://doi.org/10.56910/gemilang.v4i3.1573
Ramadany, C., & Artadita, S. (2022). Pengaruh Literasi Keuangan, Persepsi Kemudahan Penggunaan, Persepsi Manfaat Penggunaan Shopee Paylater terhadap Perilaku Pembelian Impulsif pada Generasi Z di Indonesia. YUME : Journal of Management, 6(1), 606–614. https://doi.org/10.37531/yum.v6i1.3700
Rinjani, V., & Arnita, V. (2023). Kemudahan Financial Technology Terhadap Kemampuan Saving Behavior Generasi Z. Journal of Management and Economics Research, 1(3), 99–102. https://doi.org/10.62866/jomer.v1i3.99
Saepudin S, A. K., & Apriliana, D. (2024). Payleteerr Demi Gengsi. Manajemen Kreatif Jurnal, 2(1), 253–261. https://doi.org/10.55606/makreju.v2i1.2781
Santika, E. F. (2024). Jenis Platform Keuangan Digital atau Financial Technology/FIntech yang Dimiliki Responden (28 November-5 Desember 2024).
Sugiarti, D. (2023). Literasi Keuangan Syariah Generasi Z dan Minatnya pada Perbankan Syariah : Studi Kasus pada Siswa SMK di Jakarta. JIEI : Jurnal Ilmiah Ekonomi Islam, 9(1), 766–772. https://doi.org/10.29040/jiei.v9i1.7991
Widyaningrum, I., Paradita, G. E., & Pratiwi, P. D. (2024). The Influence of Financial Technology on Saving Behavior Through Self-Control as a Mediator in Generation Z. Dinasti International Journal of Economics, Finance & Accounting (DIJEFA), 5(2), 632–639. https://doi.org/10.38035/dijefa.v5i2
Zulvikri, M., & Amani, A. (2024). Transformasi Digital: Menggali Potensi Teknologi Terkini Dalam Pengelolaan Dokumen Dan Informasi Kantor Pada Perusahaan PT. Victory Prima Abadi. Jurnal Transformasi Bisnis Digital, 1(3), 01–12. https://doi.org/10.61132/jutrabidi.v1i2.107
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Rika Mustika, Iman Fauzi Sudirman, Han Han Burhani
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
