PENGARUH SHARIA FINANCIAL LITERACY DAN SHARIA COMPLIANCE PRACTICES TERHADAP ADOPSI MOBILE BANKING SYARIAH DENGAN ATTITUDE TOWARD USAGE SEBAGAI VARIABEL INTERVENING

KHARISMA BRINDAWATI, . (2026) PENGARUH SHARIA FINANCIAL LITERACY DAN SHARIA COMPLIANCE PRACTICES TERHADAP ADOPSI MOBILE BANKING SYARIAH DENGAN ATTITUDE TOWARD USAGE SEBAGAI VARIABEL INTERVENING. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menguji pengaruh sharia financial literacy dan sharia compliance practices terhadap adopsi mobile banking syariah dengan attitude toward usage sebagai variabel intervening. Penelitian ini menerapkan pendekatan kuantitatif dengan menggunakan desain penelitian kausal. Populasi dalam penelitian ini ialah mahasiswa aktif yang menempuh pendidikan tinggi di Provinsi Daerah Khusus Jakarta. Pemilihan sampel menggunakan teknik simple random sampling dengan mengacu pada tabel Isaac and Michael sehingga membutuhkan partisipasi sebanyak 348 responden. Teknik analisis data yang digunakan adalah Structural Equation Modeling Partial Least Square (SEM-PLS) dengan menggunakan alat analisis berupa software SmartPLS. Hasil penelitian menunjukkan bahwa sharia financial literacy, sharia compliance practices, dan attitude toward usage berpengaruh positif dan signifikan terhadap adopsi mobile banking syariah. Selain itu, sharia financial literacy dan sharia compliance practices juga terbukti berpengaruh positif dan signifikan terhadap attitude toward usage. Hasil uji indirect effect menunjukkan bahwa attitude toward usage mampu memediasi pengaruh sharia financial literacy dan sharia compliance practices terhadap adopsi mobile banking syariah. Temuan ini diharapkan dapat menjadi acuan bagi seluruh pihak untuk bersinergi meningkatkan pemahaman literasi keuangan syariah sekaligus memperkuat regulasi kepatuhan syariah, mengingat keduanya terbukti mampu membentuk sikap positif yang pada akhirnya mendorong adopsi mobile banking syariah khususnya di kalangan mahasiswa. ***** The study aims to determine the influence of sharia financial literacy and sharia compliance practices on adoption Islamic mobile banking with attitude toward usage as an intervening variable. The research study use a quantitative approach with causal research design. The population in this study were active university students in the Special Capital Region of Jakarta. The sample was selected using a simple random sampling technique, the sample size determined based on the Isaac and Michael table, with a total of 348 respondents. Data were analyzed using Structural Equation Modeling Partial Least Square (SEM-PLS) with SmartPLS software as the analytical tools. The research results show that sharia financial literacy, sharia compliance practices, and attitude toward usage have a positive and significant effect on the adoption of Islamic mobile banking. In addition, sharia financial literacy and sharia compliance practices also have a positive and significant effect on attitude toward usage. The indirect effect analysis further reveals that attitude toward usage mediates the relationship between sharia financial literacy and sharia compliance practices on the adoption of Islamic mobile banking. These findings are expected to serve as a reference for stakeholders to work together in improving sharia financial literacy and strengthening sharia compliance regulations, as both factors have been proven to foster positive attitudes that ultimately encourage the adoption of Islamic mobile banking especially among university students.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Erika Takidah, SE, AK., M.Si., CA, Ph.D. ; 2). Santi Susanti, S.Pd., M.Ak.
Subjects:	Ilmu Sosial > Teori Ekonomi Ilmu Sosial > Industri, Buruh, Produksi > Perbankan Ilmu Sosial > Perdagangan, e-commerce > Akuntansi Ilmu Sosial > Keuangan
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Kharisma Brindawati .
Date Deposited:	06 Aug 2026 06:52
Last Modified:	06 Aug 2026 06:52
URI:	http://repository.unj.ac.id/id/eprint/68954

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