Dampak Literasi Keuangan Syariah dalam Penggunaan Financial Technology (Fintech) pada Mahasiswa Prodi Perbankan Syariah Angkatan 2021 UIN SMDD Bukittinggi

Abstract

The aim of this research is to analyze the impact of sharia financial literacy on the use of financial technology (fintech) by students of the 2021 Sharia Banking Program at UIN Sjech M. Jamil Djambek (SMDD) Bukittinggi. This research has three main objectives, namely: (a) analyzing students' financial literacy regarding the use of fintech, (b) analyzing the impact of using conventional fintech among students, and (c) finding solutions to overcome problems related to sharia financial literacy and the use of fintech. This research uses a qualitative approach using observations and interviews conducted at Campus II UIN SMDD Bukittinggi. Based on the results of interviews conducted on December 23 2024, the sharia financial literacy of sharia banking students class of 2021 is classified as very good. This is shown by the high use of popular fintech applications such as GoPay, Dana, and Ovo, which are often used by students. The results of interviews with 30 informants show that the level of trust in sharia-based financial products and services is quite high, with 66% of informants stating that they have a very high level of trust. This research also identified several challenges in using sharia fintech, such as limited understanding of sharia features in fintech applications and minimal education about the advantages of sharia fintech compared to conventional ones. This research makes an important contribution in understanding the relationship between Islamic financial literacy and fintech use, as well as offering strategies to increase the adoption of Islamic fintech among students.