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Sabila, Chen Chen Aprilia
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering

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Digital Financial Literacy dan Bias Status Quo, dan Penggunaan Fintech pada Generasi Z Candy, Candy; Hesniati, Hesniati; Sabila, Chen Chen Aprilia; Apriliah, Lila; Sherlyn, Sherlyn
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15333

Abstract

Fokus dalam penelitian ini yaitu menganalisis bagaimana pengaruh digital financial literacy dan value of status quo terhadap use behavior dimediasi oleh behavioral intention in fintech pada Generasi Z. Hal ini dikarenakan kesenjangan literasi keuangan digital yang tidak sejalan dengan pertumbuhan akses inklusi keuangan. Data penelitian diperoleh melalui penyebaran kuesioner terhadap 262 responden Generasi Z. Teori yang digunakan pada penelitian yaitu Theory Planned Behavior. Model penelitian di analisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan perangkat lunak SmartPLS 4.0. Penelitian ini menunjukkan bahwa digital financial literacy berpengaruh signifikan positif terhadap behavior intention in fintech dan use behavior, lalu value of status quo berpengaruh signifikan positif terhadap behavior intention in fintech dan use behavior. Selain itu, behavior intention in fintech sebagai variabel yang memediasi antara kedua variabel independen dengan variabel use behavior memiliki pengaruh positif yang signifikan.
Kesenjangan Konsep dan Praktik Akad Mudharabah pada Pembiayaan Mikro: Peran Transformasi Digital di Bank Syariah Indonesia Mawadah, Badriatul; Sabila, Chen Chen Aprilia
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15505

Abstract

This study aims to examine the gap between the normative concept and operational practice of mudharabah contracts in microfinance at Bank Syariah Indonesia (BSI), as well as to analyze the role of digital transformation and sharia supervision in supporting their implementation. A qualitative descriptive approach was employed using a literature-based method, drawing on BSI annual reports (2024–2025), Islamic banking statistics from the Financial Services Authority (OJK), DSN–MUI fatwas, and relevant scholarly articles published between 2020 and 2025. The findings indicate that mudharabah funds at BSI are predominantly utilized for fund mobilization, particularly through mudharabah deposits, while their application in microfinance remains limited. Operationally, BSI’s microfinance products are largely dominated by murabahah and ijarah contracts due to risk mitigation and payment certainty considerations. Digital transformation—through online financing applications, digital profiling, real-time reporting, and early warning systems—has the potential to enhance transparency and reduce moral hazard risks. The role of the Sharia Supervisory Board (SSB) becomes increasingly strategic in ensuring sharia compliance in the digital era. This study highlights the importance of strengthening digital infrastructure and financial literacy to optimize mudharabah-based microfinance.
Co-Authors Apriliah, Lila Candy, Candy Hesniati, Hesniati Mawadah, Badriatul Sherlyn, Sherlyn