PENGARUH RELIGIUSITAS DAN LITERASI KEUANGAN SYARIAH TERHADAP MINAT MAHASISWA FAKULTAS EKONOMIKA DAN BISNIS UNIVERSITAS NEGERI SURABAYA (UNESA) DALAM MENGGUNAKAN PINJAMAN ONLINE

Authors

  • Alfado Chievo Javantara Universitas Negeri Surabaya
  • Fira Nurafini Universitas Negeri Surabaya

DOI:

https://doi.org/10.24252/iqtishaduna.v7i1.59821

Abstract

Abstrak

Penelitian ini bertujuan untuk menguji religiusitas dan literasi keuangan syariah terhadap minat mahasiswa dalam menggunakan pinjaman online. Hasil pembahasan menunjukan bahwasanya pengaruh variabel religiusitas dan literasi keuangan syariah berpengaruh terhadap minat mahasiwa dalam menggunakan pinjaman online. Hal tersebut menandakan religiuistas dan literasi keuangan syariah memengaruhi minat mahasiswa dalam menggunakan pinjaman online. Pada penelitian ini menggunakan metode kuantitatif dengan pengumpulan data primer yang diperoleh melalui penyebaran kuisioner secara online. Pemilihan sampel dilakukan secara purposive sampling dengan jumlah responden sebanyak 122 responden. Analisis data menggunakan Statistical Product and Service Solutions (SPSS). Dari pengujian terdapat 2 hipotesis yang diterima, yaitu religiusitas dan literasi keuangan syariah.

Kata Kunci: Literasi Keuangan Syariah, Minat Menggunakan, Religiusitas

 

Abstract

This study aims to test religiosity and Islamic financial literacy on students' interest in using online loans. The results of the discussion show that the influence of religiosity and Islamic financial literacy variables has an effect on students' interest in using online loans. This indicates that religiosity and Islamic financial literacy influence students' interest in using online loans. This study uses a quantitative method with primary data collection obtained through online questionnaire distribution. Sample selection was carried out by purposive sampling with a total of 122 respondents. Data analysis used Statistical Product and Service Solutions (SPSS). From the above test, there are 2 accepted hypotheses, namely religiosity and Islamic financial literacy.

Keywords: Sharia Financial Literacy, Interest in Using, Religiosity

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Published

2025-08-15

Issue

Vol. 7 No. 1 (2025): Oktober

Section

Volume 7 Nomor 1 Oktober 2025

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Copyright (c) 2025 Alfado Chievo Javantara, Fira Nurafini

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