MEDIASI FINANCIAL LITERACY DALAM HUBUNGAN FINANCIAL TECHNOLOGY PAYMENT DAN FINANCIAL ATTITUDE TERHADAP CHANGES IN PEOPLE'S FINANCIAL BEHAVIOR DALAM PERSPEKTIF BISNIS ISLAM

Umi, Habibah (2026) MEDIASI FINANCIAL LITERACY DALAM HUBUNGAN FINANCIAL TECHNOLOGY PAYMENT DAN FINANCIAL ATTITUDE TERHADAP CHANGES IN PEOPLE'S FINANCIAL BEHAVIOR DALAM PERSPEKTIF BISNIS ISLAM. Diploma thesis, UIN RADEN INTAN LAMPUNG.

PDF Download (3MB)

Abstract

ABSTRAK Pendahuluan : Perkembangan teknologi digital khususnya fintech payment telah memudahkan transaksi dan mengubah pengelolaan keuangan menjadi lebih digital dan fleksibel. Penelitian ini bertujuan untuk menganalsis mediasi financial literacy dalam hubungan financial technology payment dan financial attitude terhadap changes in people's financial behavior dalam perspektif bisnis islam. Metode: Metode yang di gunakan pada penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis Structural Equation Modeling-Partial Least Square (SEM-PLS) dengan teknik purposive sampling dengan mengambil 100 responden menggunakan penyebaran kuesioner melalui google form. Hasil :Hasil analisis menunjukkan bahwa fintech dan finnacial attitude secara signifikan meningkatkan kesadaran dan wawasan tentang literasi keuangan.Selain itu financial literacy juga terbukti berpengaruh positif terhadap terhadap changes in people's financial behavior. Financial literacy juga memediasi hubungan fintech payment dan financial attitude terhadap perubahan perilaku keuangan masyarakat. Yang berarti fintech payment dan financial attitude tidak hanya langsung memengaruhi perubahan perilaku keuangan Y, tetapi juga melalui peningkatan literasi keuangan.Dalam perspektif Islam, literasi keuangan berperan sebagai mediator yang menghubungkan fintech payment dan sikap keuangan dalam mengubah perilaku keuangan masyarakat dengan menerapkan prinsip-prinsip syariah seperti kejujuran, keadilan, dan larangan riba. Penekanan Islam pada etika bisnis, termasuk transparansi dan keadilan harga, tercermin dalam regulasi e-commerce untuk menciptakan ekosistem digital yang adil dan terpercaya Introduction: The development of digital technology, especially fintech payments, has facilitated transactions and changed financial management to be more digital and flexible. This study aims to analyze the mediation of financial literacy in the relationship between financial technology payment and financial attitude towards changes in people's financial behavior in the perspective of Islamic business. Method : using a quantitative approach with the Structural Equation Modeling-Partial Least Square (SEM-PLS) analysis technique with a purposive sampling technique by taking 100 respondents using a questionnaire distribution through google form. Results : The result of the analysis show that fintech and finnacial attitude significantly increase awareness and insight into financial literacy. In addition, financial literacy has also been proven to have a positive effect on changes in people's financial behavior. Financial literacy also mediates the relationship between fintech payment and financial attitudes towards changes in people's financial behavior. This means that fintech payment and financial attitude not only directly affect changes in Y's financial behavior, but also through increasing financial literacy. From an Islamic perspective, financial literacy plays a mediator that connects fintech payments and financial attitudes in changing people's financial behavior by applying sharia principles such as honesty, justice, and the prohibition of usury. Islam's emphasis on business ethics, including transparency and price fairness, is reflected in e-commerce regulations to create a fair and trustworthy digital ecosystem.

Actions (login required)

View Item