MEMBANGUN KEPERCAYAAN DIGITAL : PERAN LITERASI KEUANGAN SYARIAH DALAM MENDORONG PENGGUNAAN QRIS DI KALANGAN MAHASISWA DI TENGAH ANCAMAN KEJAHATAN SIBER
DOI:
https://doi.org/10.25299/jtb.2026.vol9(1).27882Keywords:
Literasi Keuangan Syariah, QRIS, Kepercayaan Digital, Kejahatan Siber, SEM-PLSAbstract
Penelitian ini bertujuan menganalisis peran literasi keuangan syariah dalam mendorong penggunaan QRIS (Quick Response Code Indonesian Standard) di kalangan mahasiswa dengan kepercayaan digital sebagai variabel mediasi, sekaligus menelaah dampak ancaman kejahatan siber terhadap kepercayaan digital mahasiswa. Metode penelitian menggunakan pendekatan kuantitatif dengan desain survei, melibatkan 248 responden mahasiswa aktif di Indonesia yang dipilih melalui teknik purposive sampling. Pengumpulan data dilakukan melalui kuesioner terstruktur berbasis skala Likert, sedangkan analisis data menggunakan Structural Equation Modeling–Partial Least Squares (SEM-PLS) dengan bantuan perangkat lunak SmartPLS 4.0. Hasil penelitian menunjukkan bahwa: (1) literasi keuangan syariah berpengaruh positif dan signifikan terhadap kepercayaan digital mahasiswa (β = 0,423; p < 0,001); (2) persepsi risiko kejahatan siber berpengaruh negatif dan signifikan terhadap kepercayaan digital (β = -0,287; p < 0,001); (3) kepercayaan digital berpengaruh positif dan signifikan terhadap penggunaan QRIS (β = 0,351; p < 0,001); serta (4) kepercayaan digital memediasi secara parsial hubungan antara literasi keuangan syariah dan penggunaan QRIS. Temuan ini mengindikasikan pentingnya integrasi edukasi literasi keuangan syariah berbasis digital dalam program pemberdayaan mahasiswa guna memperkuat ekosistem pembayaran digital yang inklusif dan aman.
Downloads
References
Abdullah, Mohammad Azmi., & Chong, Rosita. 2021. Financial Literacy: An Exploratory Review Of The Literature And Future Research. Journal of Emerging Economies and Islamic Research, 9(1), p. 1–20.
Abou-Youssef, Mariam Mourad Hussein., Kortam, Wael., Abou-Aish, Ehab., & El-Bassiouny, Noha. 2015. Effects of Religiosity on Consumer Attitudes Toward Islamic Banking in Egypt. International Journal of Bank Marketing, 33(6), p. 356–378.
Akmal, Huriyatul., & Saputra, Yogi Eka. 2022. Islamic financial literacy: The role of Islamic education in improving financial behaviour. Journal of Islamic Monetary Economics and Finance, 8(3), p. 411–432.
Al-Khowarizmi, A., Sari, Indah Purnama., & Maulana, Halim. 2023. Detecting Cyberbullying on Social Media Using Support Vector Machine: A Case Study on Twitter. International Journal of Safety and Security Engineering, 13(4), p. 709–714.
Amri, H., Rahman, A., & Hidayatullah, M. 2022. Mediating Role of Digital Trust in The Relationship Between Financial Literacy And Fintech Adoption. Journal of Islamic Finance, 11(2), p. 56–72.
Bossler, Adam., & Holt, Thomas J. 2022. Cybercrime in Progress: Theory and Prevention of Technology-Enabled Offenses. Journal of Crime and Justice, 45(3), p. 231–245.
Creswell, John Ward., & Creswell, John David. 2023. Research Design: Qualitative, Quantitative, and mixed methods approaches (6th ed.). SAGE Publications. United State.
Hair, Joseph F., Henseler, Jorg., Dijkstra, Theo K., & Sarstedt, Marko. 2022. Common Beliefs and Reality about Partial Least Squares. Organizational Research Methods, 25(3), p. 1–23.
Hasan, Morshadul., Le, Thi., & Hoque, Ariful. 2021. How does Financial Literacy Impact on Inclusive Finance? Financial Innovation, 7(1), p. 1–23.
Mujiatun, Siti. 2022. Analysis of the Modern Era ’ s Financial and Islamic Economic Importance. International Journal of Economics Social and Technology, 1(4), p. 148–158.
Mujiatun, Siti., Julita., Effendi, Ihsan., Rahmayati., & Badawi, Afif. 2022. Sharia Financial Technology (Fintech) Management Model in Indonesia. Cuadernos de Economia, 45(128), p. 145–156.
Novitasari, Dwi., & Prasetyo, Agus. 2023. Pengaruh literasi keuangan digital terhadap perilaku keuangan mahasiswa: Studi pada mahasiswa perbankan syariah. Jurnal Tabarru’: Islamic Banking and Finance, 6(1), p. 34–51.
Patil, Pushp., Tamilmani, Kuttimani., Rana, Nripendra P., & Raghavan, Vishnupriya. 2021. Understanding Consumer Adoption of Mobile Payment in India: Extending Meta-UTAUT Model With Personal Innovativeness, Anxiety, Trust, and Grievance Redressal. International Journal of Information Management, 54, 102144.
Pratiwi, A., Mukhtar, M., & Wulandari, R. 2023. Dampak kejahatan Siber Terhadap Kepercayaan Pengguna E-Banking di Indonesia: Analisis Moderasi Literasi Digital. Jurnal Manajemen Bisnis Digital, 5(1), p. 78–96.
Rahmayati. 2021. Competition Strategy in the Islamic Banking Industry: An Empirical Review. International Journal of Business, Economics, and Social Development, 2(2), p. 65–71.
Raza, Syed Ali., Umer, Amna., Qureshi, Muhammad Ashif., & Dahri, Abdul Samad. 2022. Internet Banking Service Quality, E-Customer Satisfaction And Loyalty. The TQM Journal, 34(5), p. 1608–1629.
Susilowati, Nur., Huda, Nurul., & Abidin, Zainal. 2023. Literasi keuangan syariah dan kepercayaan mahasiswa terhadap produk perbankan syariah digital. Jurnal Ekonomi Islam, 14(2), p. 145–167.
Trianto, Budi., Rahmayati., Yuliaty, Tetty., & Sabiu, Tasiu Tijjani. 2021. Determinant Factor of Islamic Financial Inclusiveness at MSMEs: Evidence from Pekanbaru, Indonesia. Jurnak Ekonomi Dan Keuangan ISlam, 7(2), p. 105–122.
Venkatesh, Viswanath., Morris, Michael G., & Ackerman, Philip L. 2021. A Longitudinal Field Investigation of Gender Differences in individual Technology Adoption Decision-Making Processes. Organizational Behavior and Human Decision Processes, 162, p. 155–169.
Zhou, Liu., & Li, D. 2022. Trust in Mobile Payment Services: An Integrated Model. Information & Management, 59(5), 103622.
Asosiasi Program Studi Keuangan dan Perbankan Syariah
The Jurnal Tabarru' site and its metadata are licensed under CC BY-SA