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All Journal EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Journal of Management, Economic and Accounting (JMEA)
Gunawan, Gempa
Unknown Affiliation
Economics, Econometrics & Finance

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Pemimpin Inovatif Dalam Manajemen SDM : Membangun Budaya Inovasi yang Berkelanjutan Gunawan, Gempa; Nasution, Zulhasby Assidqy; Aljuned, Raihani Azzahra; Suwifania, Jihan; Suhairi, Suhairi
Journal of Management, Economic and Accounting (JMEA) Vol. 3 No. 2 (2024): Volume 3 Issue 2 May 2024
Publisher : CV. Pusdikra Mitra Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jmea.v2i2.1410

Abstract

Currently, technological developments in globalization are starting to give birth to new ways of completing several jobs in various sectors. Starting from manufacturing, services, to the banking business. This makes conditions demanded in various sectors through types of human resources that have competitiveness and are creative. It is intended that if the government sector receives human resources who do not have creativity and there is no innovation as a provision, it will cause the performance of an organization to not develop, and give everyone a negative stigma towards the government agency sector. Therefore, it is highly demanded aspects in competing to show the best in order to lead to good performance. Talking about innovation, innovation is a very much confused thing according to the positive side. Innovation is born from the existence of a creativity and curiosity in order to give birth to new studies.
Pengaruh Literasi Keuangan Terhadap Keputusan Mahasiswa Menggunakan Produk Perbankan Syariah Pada Mahasiswa Gunawan, Gempa; Syahriza, Rahmi; Kusmilawaty, Kusmilawaty
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 3 (2026): February 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i3.9333

Abstract

Financial literacy is an important aspect in determining individual behavior in managing finances, including in choosing financial services that are in accordance with sharia principles. Among students, a good understanding of financial concepts and products can influence their decisions in using sharia banking services. This study aims to determine the effect of financial literacy on students' decisions in using sharia banking products. The method used is a quantitative approach with a simple linear regression analysis technique. Data were obtained by distributing questionnaires to 100 respondents. The results of the instrument testing showed that all items were valid and reliable with a Cronbach's Alpha value of 0.740 for financial literacy and 0.909 for usage decisions. The results of the simple linear regression analysis produced the equation Y = 17.917 + 2.047X. The hypothesis test showed a significant effect with a t_count value of 2.708, which is greater than the t_table of 1.66023, and a significance value of 0.001 which is below the threshold of 0.05. This finding indicates that every one unit increase in financial literacy will increase the decision to use Islamic banking products by 2,047 points. This study contributes theoretically by strengthening the discourse on financial literacy within the framework of Islamic economics and providing empirical evidence in the context of university students. Practically, it offers recommendations for higher education institutions and Islamic banking institutions in designing educational strategies and financial literacy enhancement programs to promote Islamic financial inclusion among the younger generation.
Co-Authors Aljuned, Raihani Azzahra Kusmilawaty, Kusmilawaty Nasution, Zulhasby Assidqy Rahmi Syahriza, Rahmi Suhairi Suhairi Suwifania, Jihan