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All Journal Jurnal EMT KITA Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Vokasi Bisnis Digital, Akuntansi Lembaga Keuangan Syariah dan Usaha Perjalanan Wisata Jurnal Vokasi Bisnis Digital, Akuntansi Lembaga Keuangan Syariah dan Usaha Perjalanan Wisata EKOBIMA Ekonomi Bisnis dan Manajemen
Dewi, Fertika Puspita
Universitas Mayasari Bakti
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Jurnal EMT KITA

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Solusi Berbasis Ekonomi Syariah terhadap Maraknya Pinjaman Online di Kalangan Gen Z Dewi, Fertika Puspita; Widiana, Nada
Jurnal EMT KITA Vol 10 No 2 (2026): APRIL 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i2.5891

Abstract

The development of digital technology has driven the growth of online lending services (commonly known as pinjol) in Indonesia, particularly among Generation Z. This phenomenon has led to various issues, ranging from consumptive behavior to the entanglement of young people in riba (usury) practices prohibited in Islam. This study aims to analyze the factors that drive consumptive behavior among Gen Z in using online loans and to offer Sharia-based economic solutions to address these problems. The research employs a qualitative method, with data collection techniques that included in-depth interviews with five informants, comprising experts and practitioners in Islamic economics and Islamic fintech, along with documentation studies, and a review of relevant literature. In addition, supplementary data were obtained from a limited questionnaire administered to 19 Generation Z respondents to reinforce the interview findings. The findings indicate that ease of access, a consumptive lifestyle, and a lack of Islamic financial literacy are the main factors behind the widespread use of online loans among Gen Z. The proposed solutions include Islamic financial literacy education, strengthening of regulations, and the development of Sharia-compliant financial technology (fintech). This study is expected to serve as a reference for policymakers in formulating strategies for the prevention and management of online lending issues in accordance with Islamic principles in Indonesia.  
Peran Literasi Keuangan terhadap Kinerja Keuangan UMKM dengan Pemanfaatan FinTech sebagai Variabel Moderasi di Provinsi Jawa Barat Rachman, Bobi; Dewi, Fertika Puspita; Susanto, Laela
Jurnal EMT KITA Vol 10 No 2 (2026): APRIL 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i2.5895

Abstract

This study aims to analyze the effect of financial literacy on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) with the utilization of Financial Technology (FinTech) as a moderating variable. The research is grounded in the importance of MSME actors’ ability to manage finances effectively and utilize digital innovation to enhance business competitiveness and sustainability in the digital economy era. A quantitative explanatory approach was employed, involving MSME owners in West Java Province as the study population, with a sample of 400 respondents determined using the Slovin formula at a 5% margin of error. Data were collected through Likert-scale questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings show that financial literacy has a positive and significant effect on MSME financial performance, as indicated by an R² value of 0.582. This means that 58.2% of the variation in financial performance is explained by financial literacy and FinTech utilization, while the remaining 41.8% is influenced by other factors outside the model. Moreover, FinTech utilization also has a positive effect on financial performance and moderates the relationship between financial literacy and financial performance. Higher FinTech adoption strengthens the influence of financial literacy on MSME performance. These findings highlight the importance of synergy between financial education and digital technology adoption in promoting financial inclusion and supporting MSME growth in West Java.  
Co-Authors Adhy, Dewanto Rosian Aldi Mustopa Basyirah Ainun Bobi Rachman Fadillah, Rizky Firmansyah, Atep Khaer, Rijalul Laela Susanto Liana Dewi Megawati, Rizka Azkiya Mustopa, Aldi Novi, Alya Otami, Aulia Sri Pupun Saepul Rohman Renggana, Rafliana Mukhtar Rivanda, Agil Krisna Rizka Azkiya Megawati Widiana, Nada