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All Journal MODELING: Jurnal Program Studi PGMI Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Penelitian Tarbawi: Pendidikan Islam dan Isu-Isu Sosial Ta'dib: Jurnal Pendidikan Islam dan Isu- isu Sosial Jurnal Ilmiah Edunomika (JIE) Bada'a: Jurnal Ilmiah Pendidikan Dasar JIEB : Jurnal Ilmiah Ekonomi Bisnis Jurnal Inovasi Pendidikan dan Sains Jurnal of Applied Business and Banking (JABB) Jurnal Pengabdian Pada Masyarakat IIJSE Journal of Community Empowerment REFORM : JURNAL PENDIDIKAN, SOSIAL DAN BUDAYA Ecoducation Journal of Sharia Economy and Islamic Tourism
AHMAD HULAIMI, AHMAD
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Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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PENGARUH LITERASI KEUANGAN SYARIAH DAN KEPERCAYAAN DIGITAL TERHADAP MINAT MENGGUNAKAN QRIS SYARIAH PADA GENERASI Z DI NTB Indri, Indri; Agustina, Ahadiah; Hulaimi, Ahmad
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 9 No 1 (2026): Artikel Riset Januari 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i1.2568

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah dan kepercayaan digital terhadap minat menggunakan QRIS Syariah pada Generasi Z di Nusa Tenggara Barat (NTB). Latar belakang penelitian didasarkan pada pesatnya perkembangan sistem pembayaran digital berbasis syariah, khususnya QRIS Syariah, yang menuntut kesiapan generasi muda dari aspek pemahaman keuangan syariah serta tingkat kepercayaan terhadap teknologi digital. Penelitian ini menggunakan pendekatan kuantitatif dengan desain kausal dan melibatkan 100 responden dari kalangan Generasi Z Muslim di NTB. Pengumpulan data dilakukan melalui kuesioner skala Likert dan dianalisis menggunakan statistik deskriptif, uji normalitas, serta regresi linear berganda. Hasil penelitian menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap minat menggunakan QRIS Syariah (β = 0,194; p = 0,023 < 0,05). Kepercayaan digital juga berpengaruh positif dan signifikan (β = 0,358; p < 0,001). Secara simultan, kedua variabel memberikan kontribusi sebesar 22,3% terhadap variasi minat penggunaan QRIS Syariah. Temuan ini menegaskan bahwa peningkatan pemahaman prinsip keuangan syariah serta penguatan kepercayaan terhadap keamanan dan keandalan sistem digital berperan penting dalam meningkatkan minat Generasi Z menggunakan QRIS Syariah.
The Influence of Sharia Financial Literacy and Customer Trust on Interest in Using Sharia Fintech in NTB Fadillah, Nur; Ariani, Zaenafi; Hulaimi, Ahmad
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 9 No 1 (2026): Artikel Riset Januari 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i1.2572

Abstract

This study aims to analyze the effect of Islamic financial literacy and customer trust on the interest in using Islamic fintech in West Nusa Tenggara (NTB). This study was conducted to fill the gap in previous studies, which mostly focused on the interest in using digital services without examining actual financial behavior, such as saving in Islamic banks. The research uses a quantitative approach with a survey method of 122 respondents selected purposively. Data were collected through a Likert scale-based questionnaire and analyzed using multiple linear regression after classical assumption tests were conducted to ensure the model's feasibility. The results show that Islamic financial literacy has a positive and significant effect on interest in using Islamic fintech, while customer trust also strengthens interest in usage, although its contribution is smaller. Simultaneously, both variables are able to explain 73.2% of the variation in respondents' interest in Islamic fintech services. These findings emphasize the importance of improving Islamic financial education and strengthening public trust in Islamic-based digital financial institutions as a strategy to expand financial inclusion in the digital era. This study also provides direction for the development of Islamic fintech products and marketing strategies that are relevant to the characteristics of the younger generation as the dominant users.
Co-Authors Abd. Hafiz Abdillah, Muhammad Zaki Abdul Hayyi Akrom Ahadiah Agustina Anwar, Muh. Samsul Aqodiah Ariani, Zaenafi Baiq Halimatuz Zuhrotul Aini Dewi, Novi Yanti Sandra Fitriani, Siti Nurul Gina Elfida H. Hudatullah H. Imanuddin Hamdi Hamdi Heri Hadi Saputra Hidayanti, Nur Fitri Hidayanti, Nur Fitria Indri Indri Ismail Thoib Juma, Asmawati Khairuddin Khairuddin Khairuddin Khairuddin Lisa Anggraini Lubna Maimun MOH. HUZAINI, MOH. Muhammad Wildan Muhibuddin Abdul Aziz, H. Hudatullah Muhirdan Muhirdan Nur Aini NUR AINI Nur Fadillah, Nur Nurul Laila, Nurul Nur’aini Nur’aini Sahri Sahri Said, Khaeruddin Sanwani Suci Canda Ati SUPRAPTO TGH Hudatullah MZ Veni Edrian Winengan Zaenul Wahyudi