Preferensi Teknologi, Perencanaan dan Pengambilan Keputusan Keuangan Berdasar Literasi Keuangan Syariah

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Published: Jan 20, 2025
DOI: https://doi.org/10.56799/jceki.v4i2.7643
Keywords:
Technology Preferences, Fintech, Literacy, Islamic Finance, Consumer Behavior

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Arizal Hamizar
IAIN Ambon
Fatmah Watty Pelupessy
IAIN Ambon
Dety Aryani Relubun
IAIN Ambon
Muhammad Reza Nacikit
IAIN Ambon
Afdhal Yaman
IAIN Ambon
https://orcid.org/0009-0001-4937-4914
Muammar W. Maruapey
IAIN Ambon
Fadli Fendi Malawat
IAIN Ambon
Soenari Soenari
IAIN Ambon

Abstract

This research aims to analyze the influence of Islamic financial literacy on students' financial decision-making behavior, particularly in the context of financial technology (fintech) adoption. The study focuses on understanding how students’ preferences, trust, and comprehension of Islamic financial literacy affect their decisions in using fintech services and its impacts. This research employs a qualitative approach with an exploratory method, involving in-depth interviews with students from various majors and universities in Ambon City. Data were analyzed using a thematic method, identifying and interpreting key themes such as preferences toward fintech, trust levels, and the influence of fintech on students' financial decisions in depth. The results show that students have a high preference for fintech due to factors like efficiency, convenience, and accessibility. However, trust levels in fintech are influenced by perceptions of risk and data security. Islamic financial literacy plays a significant role in shaping students’ preferences for Sharia-based fintech services. Furthermore, fintech adoption has been proven to influence students’ financial planning, particularly in encouraging more practical and efficient financial management behavior, while also presenting challenges in maintaining consistency with Sharia financial principles.

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How to Cite
Hamizar, A., Pelupessy, F. W. ., Relubun, D. A. ., Nacikit, M. R., Yaman, A., Maruapey, M. W. ., Malawat, F. F., & Soenari, S. (2025). Preferensi Teknologi, Perencanaan dan Pengambilan Keputusan Keuangan Berdasar Literasi Keuangan Syariah. J-CEKI : Jurnal Cendekia Ilmiah, 4(2), 1274–1282. https://doi.org/10.56799/jceki.v4i2.7643
Issue
Vol. 4 No. 2: Februari 2025
Section
Articles
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This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

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