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All Journal JESI (Jurnal Ekonomi Syariah Indonesia) Journal of Islamic Economics and Finance
Latifah, Fitri Nur
Universitas Muhammadiyah Sidoarjo
Economics, Econometrics & Finance

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The Influence of Understanding Financial Literacy and Community Readiness on the Use of Central Bank Digital Currency (CBDC) Amarta, Cindy Cintania; Latifah, Fitri Nur
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 1 (2023)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (332.76 KB) | DOI: 10.21927/jesi.2023.13(1).45-53

Abstract

<p align="justify">The purpose of this study was to analyze the influence of public understanding of financial literacy and community readiness on the use of Central Bank Digital Currency (CBDC). This is expected to provide information on public knowledge regarding readiness in facing challenges of use (CBDC). This research method uses a quantitative approach. Data collection was carried out by distributing questionnaires. There are 100 research samples with sample criteria, namely the millennial generation born in 1986-1995 and the Z generation from 1996-2005. Researchers used a Likert scale to determine the value of respondents' answers. After that, the data obtained were then analyzed using tools, namely SPSS software by conducting instrument quality tests, validity and reliability tests, classical assumption tests, normality tests, heteroscedasticity tests, multicollinearity tests, and hypothesis testing. t-test and f-test, and test the coefficient of determination. The results of this study indicate that there is a positive relationship between the variables of understanding financial literacy and community readiness for the use of Central Bank Digital Currency (CBDC).
Pegadaian Syariah di Tengah Digitalisasi: Peluang dan Tantangan Findiani, Firnanda; Fadilah, Nurul; A, Fira Juni; Latifah, Fitri Nur
WELFARE: Journal of Islamic Economics and Finance Vol 4, No 1 (2025)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

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Abstract

As digitalization develops in Indonesia, Pegadaian Syariah is undergoing significant transformation. This study investigates the opportunities and challenges of Pegadaian Syariah in maintaining sharia principles and enhancing financial inclusion through digital innovation. Low digital literacy in the community, regulatory constraints, and competition with conventional financial institutions are the main challenges. These constraints limit the effectiveness of using services, such as the digital Pegadaian Syariah application, which is designed to make transactions easier. Digitalization, this opens up great opportunities, such as expanding services to remote areas, increasing operational efficiency, and supporting the empowerment of small and medium enterprises (MSMEs) through productive financing. Pegadaian Syariah can increase public trust and knowledge about sharia-based services by implementing cross-sector collaborative strategies and digital education. The descriptive method is used in this research to provide a comprehensive overview of how Pegadaian Syariah has been adapted to the current times. By optimally utilizing current technology, Pegadaian Syariah has the opportunity to become a pioneer in the digitalization of Islamic finance in Indonesia. 
Co-Authors A, Fira Juni Amarta, Cindy Cintania Fadilah, Nurul Findiani, Firnanda