The Influence of Islamic Financial Literacy on the Decision to Save in Islamic Banks among Gen Z Students at UTM
DOI:
https://doi.org/10.61166/iffah.v1i3.23Keywords:
saving decision, Islamic Bank, Gen Z , Students at UTM, Islamic financial literacyAbstract
This study aims to analyze the effect of Islamic financial literacy on saving decisions at Islamic banks for Generation Z students at Trunojoyo Madura University (UTM). Islamic financial literacy is an important aspect in supporting financial behavior in accordance with Islamic principles, especially among the younger generation. This research uses a quantitative approach with a survey method through distributing questionnaires to active UTM students who fall into the Generation Z category. The data obtained were analyzed using simple linear regression to determine how much influence Islamic financial literacy has on saving decisions. The results showed that Islamic financial literacy has a positive and significant effect on saving decisions at Islamic banks. This finding indicates that the higher the students' understanding of the concept of Islamic finance, the more likely they are to choose Islamic banks as a place to save. Therefore, increasing Islamic financial literacy needs to be a concern in order to support the development of the Islamic banking industry in Indonesia.
References
Djuwita, D., & Yusuf, A. A. (2018). Tingkat Literasi Keuangan Syariah Di Kalangan UMKM Dan Dampaknya Terhadap Perkembangan Usaha. Al-Amwal : Jurnal Ekonomi Dan Perbankan Syari’ah, 10(1), 105. https://doi.org/10.24235/amwal.v10i1.2837
Gazali, H. (2021). Islam Untuk Gen Z: Mengajarkan Islam, Mendidik Muslim Generasi Z: Panduan Bagi Guru PAI. https://doi.org/10.31219/osf.io/w3d7s
Investasi Bagi Generasi Milenial, K., Teknis Bagi Mahasiswa Untuk Meminimalisir Kesalahan Mental Keuangan Ditinjau Dari Preferensi Resiko Rika Mardiaini, B., Purnamasari, I., Sugiharti, H., Huda, S., Ronggo Waluyo, J. H., Timur, T., & Barat, J. (n.d.). Universitas Singaperbangsa Karawang 4 Jln Dr. Setiabudi No. 229, Isola Kec. Universitas Pendidikan Indonesia, 123.
Mustofa. (n.d.). ANALISIS LITERASI KEUANGAN SYARIAH DAN PERILAKU MENABUNG MAHASISWA. In Analisis Literasi Keuangan … (Mustofa).
Putri Apriliawati, I., & Ririn Indriastuti, D. (2025). PENGARUH FINANCIAL TECHNOLOGY, FOMO (FEAR OF MISSING OUT) , LITERASI KEUANGAN DAN PERSEPSI RISIKO TERHADAP KEPUTUSAN INVESTASI MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS SLAMET RIYADI SURAKARTA. Jurnal Ilmiah Ekonomi Dan Manajemen, 3(3), 385–396. https://doi.org/10.61722/jiem.v3i3.4170
Sariah, & Indra. (2024). Pengaruh Literasi Keuangan Syariah, Religiusitas, Inklusi Keuangan Syariah, Layanan Digital M-Banking Terhadap Keputusan Menabung Gen Z. Studi Kasus Nasabah BSI Jabodetabek. Economic Reviews Journal, 3(3). https://doi.org/10.56709/mrj.v3i3.328
