Keputusan Menabung dan Investasi Gen Z di Bank Syariah Dilihat dari Pengaruh Digitalitation, Economic Condition, dan Sharia Financial Literacy
DOI:
https://doi.org/10.21831/jep.v22i1.85699Keywords:
sharia saving, sharia investment, sharia financial, digitalization, economic condition, sharia financial literacyAbstract
Sharia saving dan sharia investment merupakan hal yang belum banyak dilakukan oleh generasi Z. Padahal generasi Z perlu melakukan hal tersebut untuk kepentingan masa depan mereka nanti. Penelitian ini bertujuan untuk menguji peran pengaruh mediasi sharia financial literacy terhadap hubungan digitalisasi, economic conditions, dan sharia financial regulations terhadap sharia saving dan sharia investment. Model penelitian ini menyatakan bahwa digitalization meningkatkan minat sharia financial literacy, sharia shaving dan sharia investment. Economic condition meningkatkan minat sharia financial literacy dan sharia investment serta mengurangi sharia shaving. Sharia financial regulation meningkatkan sharia investment serta mengurangi sharia shaving, namun belum untuk sharia literacy keuangan. Hipotesis dari model penelitian ini diuji secara empiris dengan data survei 365 sampel. Analisis data menggunakan structural equation model partikel lest square (SEM-PLS), dan hasilnya mendukung hipotesis bahwa SFL mampu memediasi hubungan antara digitalization, economic conditions, sharia saving, dan sharia investment, dan tidak dengan sharia financial regulations
References
Aditya, M. (2024) Mulai dari 2030, Indonesia Bukan Lagi Negara Muslim Terbesar, GoodStats.
Adiyanto, M.R. & Purnomo, A.S.D. (2021) Dampak Tingkat Literasi Keuangan Syariah Terhadap Minat Menggunakan Produk Keuangan Syariah, Jurnal Administrasi Kantor, 9(1), pp. 1–12.
Aiken, L.R. (1985) ‘Three Coefficients for Analyzing the Reliability and Validity of Ratings’, Educational and Psychological Measurement, 45(1), pp. 131–142. Available at: https://doi.org/10.1177/0013164485451012.
Ali, M., Raza, S. A., Khamis, B., Puah, C. H., & Amin, H. (2021). How perceived risk, benefit and trust determine user Fintech adoption: a new dimension for Islamic finance. foresight, 23(4), 403-420. https://doi.org/10.1108/FS-09-2020-0095
Ali, S., Naveed, M., Hanif, H., & Gubareva, M. (2024). The resilience of Shariah-compliant investments: Probing the static and dynamic connectedness between gold-backed cryptocurrencies and GCC equity markets. International Review of Financial Analysis, 91, 103045. https://doi.org/10.1016/j.irfa.2023.103045
Alsayigh, N. A. J., & Al-Hayali, Z. M. A. (2022). Islamic Financial Literacy, Concepts, and Indicators. Asian Journal of Economics, Business and Accounting, 22(21), 6-19. https://doi.org/10.9734/ajeba/2022/v22i2130683
Antara, P.M., et al. (2016). ‘Bridging Islamic Financial Literacy and Halal Literacy: The Way Forward in Halal Ecosystem’, in FIFTH INTERNATIONAL CONFERENCE ON MARKETING AND RETAILING (5TH INCOMaR) 2015. Malaysia, pp. 196 – 202.
Arif, H., et al. (2023) ‘Minat Investasi Syariah Generasi Z: TPB, Perilaku Keuangan, dan Religiusitas’, Jurnal Ilmiah Ekonomi Islam, 9(1), pp. 15–29.
Arta, A., et al. (2024) ‘Peran Regulasi Sebagai Landasan Hukum Bagi Pertumbuhan Lembaga Keuangan Syariah Di Indonesia: Peluang Dan Tantangan’, Jurnal Ekonomi Syariah dan Bisnis, 7(1), pp. 1–13. Available at: https://doi.org/10.31949/maro.v7i1.5792.
Arum, L.S., et al. (2023) ‘Karakteristik generasi z dan kesiapannya dalam menghadapi bonus demografi 2030’, Accounting Student Research Journal, 2(1), pp. 59–72.
Asri, K.H. and Rahmat, F.M. (2022) ‘Digitalization of Islamic Banking in the VUCA Era’, ALIF, 1(1), pp. 27–36. Available at: https://doi.org/10.37010/alif.v1i1.711.
Bank, W. (2023) GPD per capita (current US$) - Indonesia, World Bank.
BI. (2024). Statisitik sistem pembayaran dan infrastruktur pasar keuangan Indonesia (SPIP).
BPS. (2023). Profil kemiskinan di Indonesia Maret 2023.
BPS. (2024). Proporsi Individu yang Menguasai/Memiliki Telepon Genggam Menurut Provinsi (Persen), 2021-2023.
Dewi, M. K., & Ferdian, I. R. (2021). Enhancing Islamic financial literacy through community-based workshops: a transtheoretical model. Journal of Islamic Accounting and Business Research, 12(5), 729-747. https://doi.org/10.1108/JIABR-08-2020-0261
Fauzi, A. & Murniawaty, I. (2020) ‘Pengaruh Religiusitas Dan Literasi Keuangan Syariah Mahasiswa Terhadap Minat Menjadi Nasabah Di Bank Syariah’, Economic Education Analysis Journal, 9(2), pp. 473–486. Available at: https://doi.org/10.15294/eeaj.v9i2.39541.
Fazri, R., et al. (2023) ‘Investasi Syariah’, Journal on Education, 5(4), pp. 12190–12197.
Hassan, M. K., Zulfikar, Z., Rabbani, M. R., & Atif, M. (2022). Fintech trends: Industry 4.0, Islamic fintech, and its digital transformation. In FinTech in Islamic Financial Institutions: Scope, Challenges, and Implications in Islamic Finance (pp. 113-130). Cham: Springer International Publishing. https://doi.org/10.1007/978-3-031-14941-2_6
Hassan, N., & Misrina, A. P. (2021). Impact of Fintech on work from home & mobile banking operations: Evidence from Islamic banking sector during Covid-19 in Sri Lanka. International Journal of Business, Technology and Organizational Behavior (IJBTOB), 1(6), 433-446. https://doi.org/10.52218/ijbtob.v1i6.141
Huwaida, L.A., et al. (2024) ‘Generation Z and Indonesian Social Commerce: Unraveling key drivers of their shopping decisions’, Journal of Open Innovation: Technology, Market, and Complexity, 10. Available at: https://doi.org/https://doi.org/10.1016/j.joitmc.2024.100256
Inayah, I.N. (2020) ‘Prinsip-prinsip ekonomi islam dalam investasi syariah’, Jurnal Ilmu Akuntansi dan Bisnis Syariah, 2(2).
Jaya, T.J. (2020) ‘Branding Perbankan Syariah Melalui Produk_Produk Pendanaan’, Islamic Banking: Jurnal Pemikiran dan Pengembangan Perbankan Syariah, 6(1). Available at: https://doi.org/DOI. 10.36908/isbank
Johan, Z. J., Hussain, M. Z., Mohd, R., & Kamaruddin, B. H. (2020). Muslims and non-Muslims intention to hold Shariah-compliant credit cards: a SmartPLS approach. Journal of Islamic Marketing, 12(9), 1751-1785. https://doi.org/10.1108/JIMA-12-2019-0270
Kelly, A.E. (2024) ‘The sustainability and contribution of Generation Z influenced by hedonic and utilitarian values to use mobile money services for fee payment’, Telematics and Informatics Reports, 14. Available at: https://doi.org/https://doi.org/10.1016/j.teler.2024.100145.
Khan, A., & Hashim, F. (2021). Rise of Islamic robo advisory in the 21st century. In Artificial Intelligence and Islamic Finance (pp. 193-209). Routledge. https://www.taylorfrancis.com/chapters/edit/10.4324/9781003171638-13/rise-islamic-robo-advisory-21st-century-areeba-khan-farah-hashim
Kholid, M. (2018) ‘Prinsip-Prinsip Hukum Ekonomi Syariah Dalam Undang-Undang Tentang Perbankan Syariah’, Asy-Syari‘ah, 20(2), pp. 145–162.
Kurnia, E., et al. (2023) ‘Tinjauan Mendalam Terhadap Dinamika Lembaga Keuangan Syariah: Masa Depan, Tantangan, Dan Inovasi’, Jurnal Ekonomi, Manajemen dan Akuntansi, 1(5), pp. 292–303.
Kusnandar, D.L., et al. (2022) ‘Pengaruh Mental Accounting dan Literasi Keuangan Pada Generasi Z Terhadap Financial Behaviour Pada Masa Pandemi Covid 19 dengan dimediasi Gaya Hidup’, Valid Jurnal Ilmiah, 19(2), pp. 97–106.
Mahmoud, M. A., Umar, U. H., Baita, A. J., & Ado, M. B. (2023). Relative financial deprivation, financial anxiety and financial satisfaction: the role of access to Islamic financing among MSME owners amidst COVID-19. Journal of Islamic Accounting and Business Research, 14(4), 595-609. https://doi.org/10.1108/JIABR-03-2022-0061
Mutiasari, A.I. (2020) ‘Perkembangan industri perbankan di era digital’, Ekonomi Bisnis dan Kewirausahaan, 9(2).
Nurmalia, G., et al. (2024) ‘Gaya Hidup Berbasis Digital Dan Perilaku Konsumtif Pada Gen Z Di Bandar Lampung: Keputusan Pembelian Melalui Marketplace Shopee’, Jurnal Rekognisi Ekonomi Islam, 3(1), pp. 22–32. Available at: https://doi.org/https://doi.org/10.34001/jrei.v3i01.846
Nurrahman, A. et al. (2023) ‘Developing The Instrument of E-Learning Evaluation: Study at Vocational School’, Journal of Office Administration : Education and Practice, 3(3), pp. 163–174. Available at: https://doi.org/10.26740/joaep.v3n3.p163-174
OJK (2022) ‘Survei nasional literasi dan inklusi keuangan tahun 2022’, OJK.
OJK (2023) Laporan perkembangan keuangan syariah Indonesia 2023.
Soraya, A. & Ardyansyah, F. (2023) ‘Manajemen Pemasaran Syariah Berbasis Digital Pada Tabungan Easy Wadiah Di Bsi Kcp Lamongan Dalam Upaya Meningkatkan Minat Nasabah’, Jurnal Tabarru’ : Islamic Banking and Finance, 6(2), pp. 612–624.
Subardi, H.M.P. & Yuliafitri, I. (2019) ‘Efektivitas Gerakan Literasi Keuangan Syariah Dalam Mengedukasi Masyarakat Memahami Produk Keuangan Syariah’, Banque Syar’i: Jurnal Ilmiah Perbankan Syariah, 5(1), pp. 31–44.
Suryanti, E., et al. (2021) ‘Faktor Sosial Ekonomi Terhadap Minat Masyarakat Menabung Di Dusun Pangkah Sabrang Kec. Pangkah Kab. Tegal’, Jurnal Ekombis, 7(1), pp. 32–42.
Syam’ani, M. & Yusuf, M. (2024) ‘Peranan Platform Digital Investasi Dalam Mengubah Mekanisme Transaksi Di Pasar Modal Syariah Indonesia’, Muttaqien, 5(1), pp. 49–60. Available at: https://doi.org/https://doi.org/10.52593/mtq.05.1.05
Tarigan, W.J. (2020) ‘Pengaruh Pendapatan Domestik Regional Bruto Perkapita Dan Rasio Beban Ketergantungan Hidup Terhadap Tabungan Domestik Sumatera Utara’, Jurnal Ekonomi Pembangunan, 2(2), pp. 135–148. Available at: https://doi.org/10.36985/ekuilnomi.v2i2.73
Ulum, F. (2018) ‘Progresifitas Regulasi Keuangan Syariah Di Indonesia’, Al-Daulah: Jurnal Hukum dan Perundangan Islam, 7(2), pp. 419–443. Available at: https://doi.org/10.15642/ad.2017.7.2.419-443
Wahyuna, S.& Z. (2022) ‘Perbedaan Perbankan Syariah dengan Konvensional’, Al-Hiwalah: (Sharia Economic Law), 1(1), pp. 183–196. Available at: https://doi.org/https://doi.org/10.47766/alhiwalah.v1i2.879
Wang-Ly, N. & Newell, B.R. (2024) ‘Income volatility and saving decisions: Experimental evidence’, Journal of Behavioral and Experimental Finance, 43.
Zulhikam, A., et al. (2024) ‘Filosofi Prinsip Keuangan Islam Dan Implikasinya Pada Perbankan Syariah’, Jurnal Ekonomi, Manajemen dan Akuntansi, 2(1).
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
Copyright (c) 2025 Marlita Wulansari, Anisa Rahmawari, Annisa Salsabila Puspita, Arief Nurrahman
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
The journal allows the author(s) to hold the copyright without restrictions.
