DETERMINAN LITERASI KEUANGAN SYARIAH
Abstract
Abstract
Indonesia itself is a country with a low level of financial literacy. OJK through the results of the 2016 national financial literacy and inclusion survey stated that Islamic financial literacy was still low at 11.6%. In addition, the role of educated young Muslims is considered important as agents of change so that Islamic financial literacy in Indonesia can increase. However, many factors influence Islamic finance literacy. This study aims to determine the effect of variables of hopenessness, religiosity and financial satisfaction on Islamic financial literacy in Padangsidimpuan IAIN students. This study uses a quantitative approach where primary data is obtained through questionnaires, with a total sample of 100 people. Based on the results of multiple analysis, both hopelessness, religiosity and financial satisfaction together have a significant effect on Islamic financial literacy. But partially, hopelessness and religiosity have no effect on Islamic financial literacy in Padangsidimpuan IAIN students.
Abstrak
Indonesia sendiri adalah Negara dengan tingkat literasi keuangan yang masih rendah. OJK melalui hasil survei nasional literasi dan inkusi keuangan tahun 2016 menyatakan bahwa literasi keuangan syariah masih rendah yakni 11,6 %. Selain itu, peranan generasi muda muslim yang berpendidikan dinilai penting sebagai agen perubahan sehingga literasi keuangan syariah di Indonesia dapat meningkat. Namun, banyak faktor yang memengaruhi literasi keuangan syariah. Penelitian ini bertujuan untuk mengetahui pengaruh variabel keputusasaan, religiusitas dan kepuasan keuangan terhadap literasi keuangan syariah mahasiswa IAIN Padangsidimpuan. Penelitian ini menggunakan pendekatan kuantitatif dimana data primer diperoleh melalui penyebaran kuesioner, dengan jumlah sampel sebanyak 100 orang. Berdasarkan hasil analisis berganda, baik keputusasaan, religiusitas dan kepuasan keuangan secara bersama-sama berpengaruh signifika terhadap literasi keuangan syariah. Namun secara parsial, keputusasaan dan religiusitas tidak berpengaruh terhadap literasi keuangan syariah pada mahasiswa IAIN Padangsidimpuan.
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DOI: https://doi.org/10.24952/masharif.v7i1.1621
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