The Influence Of Financial Literacy On University Students' Interest In Using Sharia Financial Technology (Fintech) Services

Nurse Fatimah Mz; Nurhasanah Nurhasanah; Fauzan Azim

doi:10.63922/ijebir.v5i05.6007

Nurse Fatimah Mz Institut Agama Islam Diniyyah Pekanbaru
Nurhasanah Nurhasanah Institut Agama Islam Diniyyah Pekanbaru
Fauzan Azim Universitas Muhammadiyah Riau

DOI: https://doi.org/10.63922/ijebir.v5i05.6007

Keywords: Financial Literacy, Student Interest, Sharia Financial Technology (Fintech), Digital Finance, University Students.

Abstract

The rapid development of information and communication technology has significantly transformed the financial sector, particularly through the emergence of Financial Technology (Fintech). Sharia Fintech offers financial services that are not only practical and efficient but also comply with Islamic principles. As a generation highly familiar with digital technology, university students represent a potential market for Sharia Fintech services. However, their interest in using such services is influenced by several factors, one of which is financial literacy. This study aims to examine the effect of financial literacy on students' interest in using Sharia Financial Technology (Fintech) services among students of the Faculty of Economics and Islamic Business at Institut Agama Islam Diniyyah Pekanbaru. This research employed a quantitative approach using a survey method. The population consisted of 113 students, with a sample of 53 students selected through probability sampling using the simple random sampling technique. Data were collected through questionnaires and documentation. The data analysis techniques included validity testing, reliability testing, simple linear regression analysis, t-test, and coefficient of determination (R²). The results indicated that all research instruments were valid and reliable. The regression analysis showed that financial literacy had a positive and significant effect on students' interest in using Sharia Fintech services, with a t-value of 5.997, which was greater than the t-table value of 2.008, and a significance value of 0.000 < 0.05. The coefficient of determination (R²) was 0.414, indicating that financial literacy explained 41.4% of the variance in students' interest in using Sharia Fintech services, while the remaining 58.6% was influenced by other factors outside the scope of this study. Therefore, the higher the level of students' financial literacy, the greater their interest in using Sharia Fintech services.

Keywords: Financial Literacy, Student Interest, Sharia Financial Technology (Fintech), Digital Finance, University Students.

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