PENGARUH LITERASI KEUANGAN SYARIAH DAN PERSONAL FINANCE TERHADAP PERILAKU FILANTROPI ISLAM (Studi Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Program Studi Perbankan Syariah UIN Raden Intan Lampung

Ira, Mujayanah (2026) PENGARUH LITERASI KEUANGAN SYARIAH DAN PERSONAL FINANCE TERHADAP PERILAKU FILANTROPI ISLAM (Studi Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Program Studi Perbankan Syariah UIN Raden Intan Lampung. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Penelitian ini dilatarbelakangi oleh pentingnya peningkatan perilaku filantropi Islam di kalangan generasi muda, khususnya mahasiswa, sebagai bagian dari implementasi nilai-nilai ekonomi Islam dalam kehidupan sosial. Namun, tingkat partisipasi filantropi di kalangan mahasiswa masih dipengaruhi oleh berbagai faktor, di antaranya tingkat pemahaman terhadap literasi keuangan syariah dan kemampuan dalam mengelola keuangan pribadi.Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah dan personal finance terhadap perilaku filantropi Islam pada mahasiswa Fakultas Ekonomi dan Bisnis Islam Program Studi Perbankan Syariah UIN Raden Intan Lampung. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Populasi dalam penelitian ini adalah mahasiswa Fakultas Ekonomi dan Bisnis Islam Program Studi Perbankan Syariah UIN Raden Intan Lampung. Teknik pengambilan sampel dilakukan dengan metode purposive sampling. Data penelitian diperoleh melalui penyebaran kuesioner. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis regresi linier berganda untuk mengetahui pengaruh variabel independen terhadap variabel dependen secara parsial maupun simultan. Hasil penelitian menunjukkan bahwa literasi keuangan syariah dan personal finance memiliki pengaruh positif dan signifikan terhadap perilaku filantropi Islam pada mahasiswa. Mahasiswa yang memiliki tingkat literasi keuangan syariah yang baik cenderung lebih memahami kewajiban dan keutamaan filantropi dalam Islam sehingga lebih terdorong untuk berpartisipasi dalam kegiatan sosial keagamaan. Selain itu, kemampuan dalam mengelola keuangan pribadi juga terbukti meningkatkan kesadaran mahasiswa untuk menyisihkan sebagian pendapatannya untuk kegiatan filantropi seperti zakat, infak, dan sedekah. Secara simultan, kedua variabel tersebut memberikan kontribusi yang signifikan dalam menjelaskan variasi perilaku filantropi Islam mahasiswa. Temuan ini menunjukkan bahwa peningkatan literasi keuangan syariah dan pengelolaan keuangan pribadi yang baik dapat menjadi faktor penting dalam mendorong perkembangan praktik filantropi Islam di kalangan mahasiswa. Kata Kunci : Perilaku Filantropi Islam, Literasi Keuangan Syariah, Personal Finance, Perbankan Syariah. ABSTRACT Islamic This research is motivated by the importance of strengthening philanthropic behavior among young generations, particularly university students, as part of implementing Islamic economic values in social life. Islamic philanthropy, including zakat, infaq, sadaqah, and waqf, plays a strategic role in improving social welfare and reducing economic inequality in society. However, the level of philanthropic participation among students is influenced by several factors, including the level of Islamic financial literacy and the ability to manage personal finances. Students who possess a good understanding of Islamic financial principles and effective personal financial management tend to have higher awareness and willingness to contribute to Islamic philanthropic activities. Therefore, this study aims to analyze the influence of Islamic financial literacy and personal finance on Islamic philanthropic behavior among students of the Faculty of Islamic Economics and Business, Islamic Banking Study Program at UIN Raden Intan Lampung. This study employs a quantitative approach using a survey method. The population of this research consists of students from the Faculty of Islamic Economics and Business, specifically the Islamic Banking Study Program at UIN Raden Intan Lampung. The sampling technique used in this research is purposive sampling, considering students who are actively studying and have basic knowledge related to Islamic economic concepts. The data were collected through questionnaires distributed to respondents, containing statements related to Islamic financial literacy, personal finance, and Islamic philanthropic behavior variables. The questionnaire utilized a Likert scale to measure the level of respondents’ agreement with each statement. The data analysis technique used in this study is multiple linear regression analysis to examine the partial and simultaneous effects of the independent variables on the dependent variable. The results of this study indicate that Islamic financial literacy and personal finance have a positive and significant effect on Islamic philanthropic behavior among students. Students with a higher level of Islamic financial literacy tend to better understand the obligations and virtues of philanthropy in Islam, which encourages them to participate more actively in religious and social charitable activities. Furthermore, the ability to manage personal finances effectively also increases students’ awareness of allocating part of their income for philanthropic activities such as zakat, infaq, and sadaqah. Simultaneously, both variables significantly contribute to explaining variations in students’ Islamic philanthropic behavior. These findings suggest that improving Islamic financial literacy and strengthening personal financial management skills can be important factors in promoting Islamic philanthropic practices among university students. Keywords: Islamic Philanthropic Behavior, Islamic Financial Literacy, Personal Finance, Islamic Banking.

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