Analisis Tingkat Literasi Keuangan Syariah Mahasiswa Generasi Z

Authors

  • Andrean Dzulhijrah Universitas Pendidikan Indonesia
  • Diana Nur’azzah Universitas Pendidikan Indonesia
  • Milasiti Nursadiyah Universitas Pendidikan Indonesia
  • M. Zaky Khaerul Rijal Universitas Pendidikan Indonesia
  • Zahwa Nur Hasya Universitas Pendidikan Indonesia
  • Welsi Damayanti Universitas Pendidikan Indonesia

DOI:

https://doi.org/10.61132/jiesa.v2i3.1008

Keywords:

Financial Literacy, Islamic Finance, Financial Management

Abstract

The development of the Islamic economy globally continues to show an encouraging increase. However, in Indonesia, Islamic financial literacy and inclusion are still relatively low. One of the main challenges is the gap between theoretical understanding and application of Islamic financial products, especially among Gen-Z students. This study aims to evaluate students' level of knowledge about Islamic finance and their tendency to manage their personal finances, as well as identify factors that hinder the use of Islamic financial services. This study used a descriptive qualitative method with data collection techniques through questionnaires. A total of 77 students from Universitas Pendidikan Indonesia (UPI) became respondents in this study. The results obtained show that although students have a fairly good level of literacy and high interest in the Islamic financial system, it has not been followed by real practice in everyday life. The findings emphasize the need to increase educational efforts, utilize digital media more effectively, and strengthen the accessibility of Islamic financial services among the younger generation.

Downloads

Download data is not yet available.

References

Arifin, E. F., & Khotijah, S. A. (2023). Mudharabah Financing and Musyarakah Financing Applications at Bank Jateng Syariah. Cashflow: Current Advanced Research on Sharia Finance and Economic Worldwide, 2(2), 366-72. https://doi.org/10.55047/cashflow.v2i2.582.

Aslamah, A. N., & Nurzaman, M. S. (2024). Product Innovation Sharia Restricted Intermediary Account in Islamic Banking to Macroprudential Policy Instrument in Indonesia. iBAF e-Proceedings, 11(1), 669-690. https://doi.org/10.33102/0kx9jp10.

Cahyani, N., Hutagalung, E. N., & Harahap, S. H. (2024). Berpikir kritis melalui membaca: Pentingnya literasi dalam era digital. Indonesian Journal of Education and Development Research, 2(1), 417-422. https://doi.org/10.57235/ijedr.v2i1.1795.

Dalimunthe, N. P., Putri, L. A., & Wulan, M. N. (2023). Literasi Keuangan Syariah bagi Pelaku UMKM di Bandar Lampung. Jurnal Pemberdayaan Ekonomi, 2(1), 49-54. https://doi.org/10.35912/jpe.v2i1.1444.

Fadli, M. R. (2021). Memahami desain metode penelitian kualitatif. Humanika, Kajian Ilmiah Mata Kuliah Umum, 21(1), 33-54. https://doi.org/10.21831/hum.v21i1.38075.33-54

Harahap, F. H., & Nawawi, Z. M. (2022). Karakteristik dan Bentuk Kelembagaan Lembaga Keuangan Mikro Syariah Di Indonesia. Studia Economica: Jurnal Ekonomi Islam, 8(2), 327-341. https://doi.org/10.30821/se.v8i2.13874.

Ilmi, Z. (2023). The Application of Fiqh Principles in Contemporary Sharia Transactions in the Development of Innovative Products of Islamic Financial Institutions in Indonesia. OECONOMICUS: Journal of Economics, 7(2), 142-156. https://doi.org/10.15642/oje.2023.7.2.142-156.

Irawan, F. (2024). Peningkatan Literasi Keuangan Syariah di Kalangan Mahasiswa untuk Mewujudkan Generasi Ekonomi Muslim Mandiri. 5(2), 91–98. https://doi.org/10.35897/jurnalaksiafirmasi.v5i2.1407.

Irsan, M., & Jalaluddin, J. (2024). Pengaruh Literasi Keuangan, Sikap Keuangan, dan Religiusitas Terhadap Pengelolaan Keuangan (Studi Kasus pada Mahasiswa S-1 Fakultas Ekonomi dan Bisnis Universitas Syiah Kuala). Jurnal Ilmiah Mahasiswa Ekonomi Islam, 1(1), 1-13.

Maulana, F., Suryanto, M. R., Khaerunnisa, S. A., Hidayat, W., Peristiwo, H., & Fitri. (2024). Pengaruh literasi keuangan syariah terhadap pengelolaan keuangan pribadi mahasiswa FEBI. JPAES: Jurnal Pajak dan Analisis Ekonomi Syariah, 1(3), 168–182. https://doi.org/10.61132/jpaes.v1i3.285

Mustamin, A., & Trimulato, T. (2022). Development Sharia Investment During Covid-19 Pandemic. Dinar: Jurnal Ekonomi dan Keuangan Islam, 9(1), 51-62. https://doi.org/10.21107/dinar.v9i1.12302.

Mustofa, M. (2022). Literasi Keuangan Syariah dan Perilaku Menabung Mahasiswa. Jurnal Ekonomi dan Pendidikan, 18(2), 183–191. https://doi.org/10.21831/jep.v18i2.49299.

Muthia, F., Novriansa, A., & Aryanto, A. (2023). Peningkatan Literasi Keuangan pada Siswa SMA Melalui Edukasi Keuangan. Jurnal ABDINUS : Jurnal Pengabdian Nusantara, 7(3), 778-784. https://doi.org/10.29407/ja.v7i3.18087.

OJK. (2024). Laporan Perkembangan Keuangan Syariah Indonesia 2023. Otoritas Jasa Keuangan. Diakses dari: https://ojk.go.id/id/berita-dan-kegiatan/info-terkini/Pages/Laporan-Perkembangan-Keuangan-Syariah-Indonesia-2023.aspx.

Rurkinantia, A. (2021). Peranan literasi keuangan syariah terhadap pengelolaan keuangan mahasiswa. Journal of Islamic Studies and Humanities, 6(2), 89–96. https://doi.org/10.21580/jish.v6i2.9023

Sagala, M. K. A., & Siregar, S. (2023). Pengelolaan Keuangan, Sistem Informasi Akuntansi dan Transparansi Kinerja Keuangan Pada BUMDes. E-Jurnal Akuntansi, 33(6), 1613-1627. https://doi.org/10.24843/EJA.2023.v33.i06.p015

Salbiyah, S. (2020). Theory Planned Behavior dan pengaruhnya terhadap kinerja mahasiswa dengan cooperative learning tipe jigsaw sebagai variabel moderating di FEB Universitas Muhammadiyah Surabaya. Balance: Economic, Business, Management and Accounting Journal, 17(2), 82-89. https://journal.um-surabaya.ac.id/index.php/balance/article/view/4187

Statman, M. (2017). Standard and Behavioral Life-Cycle Theories and Public Policy. The Journal of Retirement, 5(2), 12–19. https://doi.org/10.3905/jor.2017.5.2.012

Subardi, H. M. P., & Yuliafitri, I. (2019). Efektivitas Gerakan Literasi Keuangan Syariah Dalam Mengedukasi Masyarakat Memahami Produk Keuangan Syariah. Jurnal Ilmiah Perbankan Syariah, 5(1), 31-44. http://dx.doi.org/10.32678/bs.v5i1.1937.

Trimulato, T. (2024). Optimalisasi Fintech Syariah Sebagai Agen Investasi Sukuk Negara. Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah, 7(1), 1-11. https://doi.org/10.29300/ba.v6i2.5230.

Trimulato, T., & Ismawati, I. (2021). The Optimization of Sharia Financial Institutions as Agent of Sale for Sukuk Product. Islamic Economics, Finance, and Banking Review, 1(1), 43-53. https://doi.org/10.12928/iefbr.v1i1.4745.

Trimulato, T., Rodoni, A., & Laksono, B. (2022). Critical Assessment on Risk and Return of Sharia Portfolios in Indonesia. Iqtishodia: Jurnal Ekonomi Syariah, 7(1), 20-29. https://doi.org/10.35897/iqtishodia.v7i1.715.

Velia, S. (2023). Manajemen Pengelolaan Keuangan Syariah Mahasiswa Gen-Z: Pengaruh Literasi Keuangan Syariah, Sikap Keuangan, Jumlah Uang Saku, dan Religiositas (Doctoral dissertation, Universitas Pendidikan Indonesia).

Wati, T. A., Anjani, H. P., Rukmiati, L. I. J., Sinaga, L. F., & Minallah, N. (2022). Manajemen Keuangan Dalam Perusahaan. Jurnal Manajemen Dan Bisnis, 5(1), 50-55. https://doi.org/10.37673/jmb.v5i1.1620

Yushita, A. N. (2017). Pentingnya literasi keuangan bagi pengelolaan keuangan pribadi. Nominal: barometer riset Akuntansi dan Manajemen, 6(1), 11-26. http://dx.doi.org/10.21831/nominal.v6i1.14330.

Zulfayani, A., Nurmilasari, N., Afdhal, A. M. N., Rahayu, A., Achriaty, N., & Nurfadilla, I. (2023). Pengaruh Literasi Keuangan Syariah Tehadap Minat Mahasiswa Menggunakan Produk Dan Layanan Bank Syariah. Jurnal Ilmiah Metansi (Manajemen dan Akuntansi), 6(2), 201-207. https://doi.org/10.57093/metansi.v6i2.223.

Downloads

Published

2025-05-28

How to Cite

Andrean Dzulhijrah, Diana Nur’azzah, Milasiti Nursadiyah, M. Zaky Khaerul Rijal, Zahwa Nur Hasya, & Welsi Damayanti. (2025). Analisis Tingkat Literasi Keuangan Syariah Mahasiswa Generasi Z. Jurnal Inovasi Ekonomi Syariah Dan Akuntansi, 2(3), 128–144. https://doi.org/10.61132/jiesa.v2i3.1008