Pengaruh Literasi Keuangan Syariah Terhadap Minat Generasi Z Menggunakan Produk Keuangan Syariah di Kota Jambi
DOI:
https://doi.org/10.64845/al-mudayanah.v2i2.446Keywords:
Literasi Keuangan Syariah, Generasi Z, Minat Penggunaan, Produk Keuangan SyariahAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah terhadap minat Generasi Z menggunakan produk keuangan syariah di Kota Jambi. Literasi keuangan syariah merupakan aspek penting dalam membentuk pemahaman dan perilaku keuangan generasi muda, khususnya dalam mengenali prinsip syariah, memahami akad, mengevaluasi manfaat dan risiko produk, serta mengambil keputusan keuangan secara tepat. Penelitian ini menggunakan pendekatan kuantitatif dengan literasi keuangan syariah sebagai variabel independen dan minat menggunakan produk keuangan syariah sebagai variabel dependen. Data penelitian direncanakan diperoleh melalui penyebaran kuesioner kepada Generasi Z di Kota Jambi, kemudian dianalisis menggunakan teknik statistik untuk menguji hubungan dan signifikansi pengaruh antarvariabel. Pembahasan berdasarkan literatur menunjukkan bahwa literasi keuangan syariah berpotensi meningkatkan minat melalui pemahaman produk, persepsi manfaat, dan kemampuan mengevaluasi kesesuaian layanan dengan prinsip syariah. Meskipun demikian, minat penggunaan juga dapat dipengaruhi oleh kepercayaan terhadap lembaga keuangan, kemudahan akses digital, pengaruh lingkungan sosial, serta persepsi biaya dan manfaat. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan strategi edukasi keuangan syariah dan perluasan inklusi keuangan syariah di kalangan Generasi Z di Kota Jambi.
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