LITERASI KEUANGAN SYARIAH GENERASI Z DI ERA DIGITAL: DETERMINAN PENGGUNAAN FINTECH SYARIAH DAN PERILAKU KEUANGAN BERKELANJUTAN
Keywords:
literasi keuangan syariah, Generasi Z, Fintech syariah, perilaku keuangan, keuangan digitalAbstract
Penelitian ini menganalisis hubungan antara literasi keuangan syariah, sikap terhadap Fintech syariah, minat menggunakan Fintech syariah, dan perilaku keuangan Generasi Z di era digital. Penelitian menggunakan desain kuantitatif eksplanatori dengan Structural Equation Modeling–Partial Least Squares (SEM-PLS) untuk menguji pengaruh langsung, tidak langsung, dan mediasi berurutan. Model menempatkan literasi keuangan syariah sebagai fondasi kognitif, sikap sebagai mekanisme evaluatif, minat menggunakan Fintech syariah sebagai mekanisme intensional, dan perilaku keuangan sebagai keluaran perilaku. Penelitian juga menguji pengaruh langsung literasi keuangan syariah terhadap perilaku keuangan serta pengaruh tidak langsung melalui sikap dan minat. Versi kerja naskah ini menggunakan hasil SEM-PLS yang masih bersifat simulasi untuk menunjukkan format pelaporan analisis; seluruh nilai numerik wajib diganti dengan output data lapangan aktual sebelum submission. Secara konseptual, model penelitian mengintegrasikan literasi keuangan syariah, penerimaan Fintech, perilaku Generasi Z, dan perspektif keuangan berkelanjutan dalam satu kerangka analisis.
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