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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis
Wulandari Buamona
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Economics, Econometrics & Finance

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PENGGUNAAN JASA PERBANKAN SYARIAH SEBAGAI UPAYA MENINGKATKAN SHARIAH FINANCIAL INCLUSION (STUDI PADA MAHASISWA UNIVERSITAS MUHAMMADIYAH MAKASSAR): Studi Pada Mahasiswa Universitas Muhammadiyah Makassar Buamona, Wulandari; Wulandari Buamona; Muhammad Najib Kasim; Agusdiwana Suarni
E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Vol 18 No 2 (2025): JURNAL ILMIAH EKONOMI DAN BISNIS
Publisher : LPPM Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/e-bisnis.v18i2.3073

Abstract

This study aims to describe how the use of Islamic banking services contributes to enhancing shariah financial inclusion among students of Universitas Muhammadiyah Makassar. The research employed a qualitative descriptive approach involving eight student informants from various faculties selected through purposive sampling. Data were collected through in-depth interviews, non-participant observations, and documentation during May-July 2025. Data analysis followed the stages of reduction, presentation, and conclusion drawing in an interactive manner. The findings indicate that most students understand the basic principles of Islamic finance (prohibition of riba, profit-sharing, clarity of contracts, and transparency), although financial literacy is not evenly distributed. Experiences in using Islamic banking services were generally positive, with account opening procedures and contractual clarity being well appreciated.
Co-Authors Buamona, Wulandari Muhammad Najib Kasim Suarni, Agusdiwana