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All Journal Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
Hidayani
Universitas Mulawarman
Humanities Education Languange, Linguistic, Communication & Media Mathematics Other

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Sosialisasi dan Edukasi Transaksi Keuangan Digital Syariah di Kalangan Generasi Z: Pengabdian Wirasmi Wardhani; Ike Purnamasari; Hidayani; Rahmawati Rahmawati
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 4 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 4 April - Juni
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i4.5853

Abstract

Pengabdian sosialisasi dan edukasi transaksi keuangan digital syariah bertujuan untuk meningkatkan literasi generasi Z mengenai penggunaan layanan keuangan digital yang sesuai dengan prinsip-prinsip syariah. Pelaksanaan kegiatan dilakukan melalui beberapa tahapan, meliputi tahap persiapan kegiatan, pelaksanaan sosialisasi, edukasi, dan evaluasi. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta terhadap konsep dasar keuangan digital syariah, termasuk prinsip larangan riba, gharar, dan maysir dalam praktik transaksi digital. Selain itu, peserta mulai menunjukkan kesadaran yang lebih tinggi dalam memilih layanan keuangan digital dengan mempertimbangkan aspek transparansi, keadilan, dan kesesuaian syariah. Proses pembelajaran yang interaktif juga mendorong berkembangnya kemampuan peserta dalam mengidentifikasi praktik transaksi yang sesuai maupun yang tidak sesuai dengan prinsip ekonomi syariah. Tingginya antusiasme dan partisipasi peserta selama kegiatan menunjukkan bahwa pendekatan edukasi yang kontekstual mampu menarik minat generasi Z terhadap literasi keuangan syariah. Meskipun demikian, kegiatan ini masih menghadapi beberapa tantangan, seperti perbedaan tingkat pemahaman peserta, kecenderungan generasi Z terhadap pendekatan yang praktis, keterbatasan pengetahuan mengenai layanan keuangan digital syariah, serta kebiasaan penggunaan layanan keuangan digital konvensional. Oleh karena itu, upaya edukasi yang berkelanjutan diperlukan untuk memperkuat literasi dan mendorong pemanfaatan layanan keuangan digital syariah di kalangan generasi muda.
FINANCIAL BEHAVIOR OF BANK SYARIAH INDONESIA CUSTOMERS IN EAST KALIMANTAN: TRUST AS MEDIATION Hidayani; Hairul Anwar; Doddy Adhimursandi
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 4 No. 4 (2026): April
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20524090

Abstract

This study seeks to examine the determinants that shape customers’ financial behavior, positioning trust as an intervening variable within the relationship. Three variables were selected: financial literacy, security perception, and financial inclusion. The endogenous variable is financial behavior. The sample of this study consists of 100 customers from PT Bank Syariah Indonesia (BSI) in East Kalimantan. Data were gathered through a questionnaire employing a purposive sampling approach, and subsequently analyzed using path analysis techniques. The findings indicate that financial inclusion exerts a positive and statistically significant impact on financial behavior. In contrast, financial literacy and security perception demonstrate a positive yet statistically non-significant influence on financial behavior. The three hypotheses regarding indirect effects, two have a significant positive impact: financial inclusion on financial behavior through trust and security perception on financial behavior through trust. These results demonstrate how important trust is as a mediating factor in determining financial behavior. Because these elements indirectly promote financial behavior through increased trust, the study's findings indicate that BSI East Kalimantan should prioritize increasing consumer perceptions of security and expanding financial inclusion. Customers may make more consistent financial decisions as a result of increased trust.
Co-Authors Al Hidayah, Rahmawati Doddy Adhimursandi Hairul Anwar Ike Purnamasari Wirasmi Wardhani