DETERMINANTS OF SHARIA FINANCE INCLUSION IN THE ENVIRONMENT OF STUDENTS
DOI:
https://doi.org/10.32332/finansia.v7i2.9418Keywords:
Financial Literacy, Financial Technology, Financial Self-EfficacyAbstract
This study aimed to analyze the influence of financial literacy, technology, and self-efficacy on Islamic financial inclusion. The investigation further examined the differences in Islamic inclusion levels across different student groups. In order to achieve the stated objective, data was collected through the administration of a questionnaire to 174 students, after which an analysis was carried out using the t-test, F-test, and independent test differential approaches. The obtained results showed that financial literacy had a partial influence, while financial technology had no effect on Sharia financial inclusion. Accordingly, financial self-efficacy was observed to influence Islamic financial inclusion only in the business and management student group and not in the non-business and management group. It is also important to state that the analysis results did not show any difference in Islamic financial inclusion and financial literacy, but a difference was found between financial technology and financial self-efficacy of the two groups.
Downloads
References
Al-Smadi, Mohammad O. “Examining The Relationship Between Digital Finance And Financial Inclusion: Evidence From MENA Countries.” Borsa Istanbul Review, Vol. 23, No. 2, 2023. https://doi.org/10.1016/j.bir.2022.11.016.
Allen, Michael Patrick. The t Test for the Simple Regression Coefficient, In Understanding Regression Analysis, New York: Springer, 2007. https://doi.org/10.1007/978-0-585-25657-3_14.
Alshater, Muneer M., Saba, Irum., Supriani, Indri., And Rabbani, Mustafa Raza. “Fintech In Islamic Finance Literature: A Review.” Heliyon, Vol. 8, No. 9, 2022. https://doi.org/10.1016/j.heliyon.2022.e10385.
Apriliani, Putu Ayu., And Yudiaatmaja, Fridayana. “Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Inklusi Keuangan Mahasiswa Program Studi S1 Manajemen Universitas Pendidikan Ganesha.” Prospek: Jurnal Manajemen Dan Bisnis, Vol. 5, No. 1, 2023. https://doi.org/10.23887/pjmb.v5i1.49635.
Azami, Dhiya., And Suprayitno, Eko. “Analysis Of The Effect Of Financial Inclusion And Literature Intensity On Financial Technology (Study On Students In Malang City).” Ekonomi, Bisnis & Entrepreneurship, Vol. 16, No. 2, 2022. https://doi.org/10.55208/jebe.v16i2.264.
Bakhtiar, Fauzia., Prayoga, Rusdi., and Mulya, Andi. “Analisis Literasi Keuangan Dan Financial Technology Terhadap Inklusi Keuangan Pada Pelaku UMKM Perempuan.” Akuntabel: Jurnal Akuntasi Dan Keuangan, Vol. 19, No. 2, 2022. https://doi.org/10.30872/jakt.v19i2.11178.
Erlangga, Muchammad Yudha, And Krisnawati, Astrie. “Pengaruh Fintech Payment Terhadap Perilaku Manajemen Keuangan Mahasiswa.” Jurnal Riset Manajemen Dan Bisnis, Vol. 15, No. 1, 2020. https://doi.org/10.21460/jrmb.2020.151.348.
Firmansyah, Deri., And Dede, Dede. “Teknik Pengambilan Sampel Umum Dalam Metodologi Penelitian: Literature Review.” Jurnal Ilmiah Pendidikan Holistik (JIPH), Vol. 1, No. 2, 2022. https://doi.org/10.55927/jiph.v1i2.937.
Hamzah, Amir. “Literasi Keuangan Dan Inklusi Keuangan Syariah Di Kalangan Tenaga Pendidik Kabupaten Kuningan.” Jurnal Akuntansi Dan Keuangan Islam, Vol. 7, No. 2, 2019. https://doi.org/10.35836/jakis.v7i2.76.
Keuangan, Otoritas Jasa. “Siaran Pers Survei Nasional Literasi Dan Inklusi Keuangan Tahun 2022.” https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx, Retrieved May 12, 2024.
Keuangan, Otoritas Jasa. "Undang - Undang OJK." https://www.ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/regulasi/peraturan-ojk/Documents/Pages/POJK-tentang-Peningkatan-Literasi-dan-Inklusi-Keuangan-di-Sektor-Jasa-Keuangan-Bagi-Konsumen-dan-atau-masyarakat/SAL-, Retrieved May 12, 2024.
Kumar, Saha Sumanta, And Qin Jie. “Exploring The Role Of Financial Inclusion In Poverty Reduction: An Empirical Study.” World Development Sustainability, Vol. 3, No. September, 2023. https://doi.org/10.1016/j.wds.2023.100103.
Kusuma, I Nyoman Patra. “Pengaruh Literasi Keuangan Terhadap Inklusi Keuangan Melalui Financial Technology Pada UMKM Di Bandar Lampung.” Jurnal Manajemen Dan Kewirausahaan, Vol. 4, No. 5, 2020. https://doi.org/10.24912/jmbk.v4i5.9236.
Levy, Paul S., And Lemeshow, Stanley. Samplin Of Populations Method And Applications. New Jersey: John Wiley & Sons, Inc., 2008.
Liska, Risa. “Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Inklusi Keuangan (Studi Empiris Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Jambi).” Jurnal Manajemen Terapan Dan Keuangan (Mankeu), Vol. 11, No. 4, 2022. https://doi.org/10.22437/jmk.v11i04.21796.
Mindra, Rachel. “Financial Self-Efficacy: A Determinant Of Financial Inclusion.” International Journal Of Bank Marketing, Vol. 35, No. 3, 2017. https://doi.org/10.1108/IJBM-05-2016-0065.
Murshed, Muntasir. “Determinants Of Financial Inclusion In South Asia: The Moderating And Mediating Roles Of Internal Conflict Settlement.” Research In International Business And Finance, Vol. 64, 2023. https://doi.org/10.1016/j.ribaf.2023.101880.
Muslichah, Muslichah. “Islamic Financial Literacy And Financial Inclusion: Examining The Intervening Role Of Financial Self-Efficacy.” International Journal Of Islamic Economics And Finance (IJIEF), Vol. 6, No. 2, 2023. https://doi.org/10.18196/ijief.v6i2.16384
Nopiah, Ririn. “Financial Technology And Poverty Alleviation In Indonesia During The COVID-19 : Impact Evaluation Analysis.” EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, Vol. 12, No. 1, 2024. https://doi.org/10.37676/ekombis.v12i1.4865.
Osabutey, Ellis L.C., And Terence Jackson. “Mobile Money And Financial Inclusion In Africa: Emerging Themes, Challenges And Policy Implications.” Technological Forecasting And Social Change, Vol. 202, No. March, 2024. https://doi.org/10.1016/j.techfore.2024.123339.
Pamungkas, Wihandaru Sotya., And Setyani, Sherly Rehula. “The Influence Of Financial Literacy, Financial Technology On Financial Inclusion Mediated By Cashless Policy.” Journal Of Economics, Assets, Adn Evaluation, Vol. 1, No. 4, 2024. https://doi.org/10.47134/jeae.v1i4.438.
Puspitasari, Sindi., Mahri, A. Jajang W., And Utami, Suci Aprilliani. “Indeks Inklusi Keuangan Syariah Di Indonesia Tahun 2015-2018.” Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, Vol. 4, No. 1, 2020. https://doi.org/10.29313/amwaluna.v4i1.5094.
Ross, Amanda., And Victor, L. Wilson. Independent Samples t-Test, In Basic and Advance Statistical Tests. Rotterdam: SensePublisher, 2017. https://doi.org/10.4135/9781483381411.n636.
Salampasis, Dimitrios., And Mention, Anne Laure. Fintech: Harnessing Innovation For Financial Inclusion, In Handbook Of Blockchain, Digital Finance, And Inclusion. London: Elsevier Inc., 2018. https://doi.org/10.1016/B978-0-12-812282-2.00018-8.
Sari, Adinda Novita., And Kautsar, Achmad. “Analisis Pengaruh Literasi Keuangan, Financial Technology, Dan Demografi Terhadap Inklusi Keuangan Pada Masyarakat Di Kota Surabaya.” Jurnal Ilmu Manajemen, Vol. 8, No. 4, 2020. https://doi.org/10.26740/jim.v8n4.p1233-1246.
Soumaré, Issouf., Tchana, Fulbert Tchana., And Kengne, Thierry Martial. “Analysis Of The Determinants Of Financial Inclusion In Central And West Africa.” Transnational Corporations Review, Vol. 8, No. 4, 2016. https://doi.org/10.1080/19186444.2016.1265763.
Sureiman, Onchiri., And Mangera, Callen Moraa. “F-Test Of Overall Significance In Regression Analysis Simplified.” Journal Of The Practice Of Cardiovascular Sciences, Vol. 6, No. 2, 2020. https://doi.org/10.4103/jpcs.jpcs_18_20.
Wewengkang, Caeli B. P., Mangantar, Maryam., And Wangke, Shinta J. C.. “The Effect Of Financial Technology Use And Financial Literacy Towards Financial Inclusion In Manado (Case Study: FEB Students In Sam Ratulangi University Manado).” Jurnal EMBA, Vol. 9, No. 2, 2021. https://doi.org/10.35794/emba.v9i2.33593.
Wijaya, Richy., Hartini, Hartini., And Leon, Farah Margaretha. “Financial Inclusion And Financial Self-Efficacy In Indonesia.” In Advances In Economics, Business And Management Research, 2019. https://doi.org/10.2991/icoi-19.2019.95.
Yolanda, Yola. “Pengaruh Literasi Keuangan Terhadap Inklusi Keuangan Nasabah Pada PT Bank Rakyat Indonesia Tbk Di Medan.” Jurnal Manajemen, Akuntansi Dan Ekonomi, Vol. 1, No. 1, 2022. https://doi.org/10.59066/jmae.v1i1.19.
Yuliyanti, Pungki., And Pramesti, Diesyana Ajeng. “Tercapainya Inklusi Keuangan Mampukah Dengan Literasi Keuangan Dan Financial Technology? (Studi Kasus: Masyarakat Kota Magelang, Jawa Tengah).” Kajian Bisnis Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha, Vol. 29, No. 2, 2021. https://doi.org/10.32477/jkb.v29i2.292.
Zins, Alexandra., And Weill, Laurent. “The Determinants Of Financial Inclusion In Africa.” Review Of Development Finance, Vol. 6, 2016. https://doi.org/10.1016/j.rdf.2016.05.001.
Downloads
Published
Issue
Section
License
Copyright (c) 2024 Muliasari Pinilih, Intan Shaferi, Purwadi Purwadi, Maulita Nur Sejati, Juwita Anggraini Sain- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
