Analisis Tingkat Literasi Finansial Mahasiswa Manajemen Bisnis Syariah di STAI Al-Kifayah Riau: Konsep, Sikap, dan Perilaku

https://doi.org/10.35912/bukhori.v4i1.3326
Published: Oct 11, 2024

Abstract:

Purpose: Students must have a good understanding of finance, especially when facing the challenges of financial management in today's era. The purpose of this study was to determine how proficient Sharia Business Management (MBS) students at STAI Al-Kifayah Riau are with basic financial concepts, attitudes, and behaviors related to finance.

Methodology: This study was conducted using a quantitative approach through a survey. The stratified random sampling method consisted of 85 MBS students who were randomly selected. Data were collected through a financial literacy questionnaire distributed online via Google Form.

Results: The results of the analysis showed that MBS students at STAI Al-Kifayah Riau had high financial literacy in basic financial concepts and products, with 17% in the high category, 28% in the medium category, and 55% in the low category. Financial attitudes, with 21% in the high category, 34% in the medium category, and 45% in the low category, and financial behavior, with 20% in the high category, 31% in the medium category, and 49% in the low category.

Limitation: If the sample is only taken from one institution (STAI Al-Kifayah Riau), the results may not be generalizable to students in other institutions or different areas.

Contribution: The results show that the majority of MBS students of STAI Al-Kifayah Riau do not understand financial concepts, attitudes, and behaviors. This suggests that education should be conducted to improve students' financial knowledge, especially by offering courses or training that focus more on financial management.

Keywords:
1. financial literacy
Authors:
Lita Arfah
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How to Cite
Arfah, L. (2024). Analisis Tingkat Literasi Finansial Mahasiswa Manajemen Bisnis Syariah di STAI Al-Kifayah Riau: Konsep, Sikap, dan Perilaku . Bukhori: Kajian Ekonomi Dan Keuangan Islam, 4(1), 59–69. https://doi.org/10.35912/bukhori.v4i1.3326
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Vol. 4 No. 1 (2024): Juli
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References

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    Al Rahahleh, N. (2022). Financial literacy levels among saudi citizens across budgeting, saving, investment, debt, and insurance dimensions. Journal of Risk and Financial Management, 15(12), 582.

    Alamin, R. Y., Zulaikha, E., & Gunarta, I. K. (2022). Board Game as Financial Literacy Education Media for Indonesian High School Students. Paper presented at the 2022 IEEE International Conference on Industrial Engineering and Engineering Management (IEEM).

    Alsmadi, A. A. (2022). Financial literacy: A bibliometric analysis for the period of 1990-2021.

    Deda, Y. N., Disnawati, H., & Missa, A. (2022). Financial literacy and personal financial management assessment among students in border area of indonesia-timor leste. IJHCM (International Journal of Human Capital Management), 6(1), 1-12.

    Dwiastanti, A. (2015). Financial Literacy as the Foundation for Individual Financial Behavior. Journal of Education and Practice, 6(33), 99-105.

    Febriyanti, F., & Muazaroh, M. (2023). Pengaruh Literasi Keuangan dan Faktor Demografis terhadap Keputusan Investasi pada Masyarakat Surabaya. Jurnal Manajemen dan Ilmu Administrasi Publik (JMIAP), 5(2), 147-153.

    Firmialy, S. D., & Hidayat, A. M. (2022). Financial Literacy on Millenial Entrepeneurs during Pandemic Covid-19. International Research Journal of Business Studies, 15(2).

    Ismawati, D. (2015). Literasi Finansial pada Mahasiswa Fakultas Ekonomi Universitas Jember.

    Karakurum-Ozdemir, K., Kokkizil, M., & Uysal, G. (2019). Financial literacy in developing countries. Social Indicators Research, 143, 325-353.

    Kartini, T. K., & Mashudi, U. (2022). Literasi keuangan (financial literacy) mahasiswa indekos calon pendidik ekonomi FKIP Universitas Jember. Jurnal Promosi Program Studi Pendidikan Ekonomi, 10(2).

    Lailiyah, E. H., Yaumi, S., Lestari, D., Sufianto, P., Nurfitriana, T., Saputra, R. W., et al. (2023). Financial literacy: learn smartly and wisely family’s financial planning in Gedongboyo Untung Village, Lamongan. Community Empowerment, 8(4), 459-464.

    Laily, N., Herdiani, A., & Dellar, G. (2022). An investigation on the financial literacy of accounting students in Indonesia. In Urbanizing the Regional Sector to Strengthen Economy and Business to Recover from Recession (pp. 225-231): Routledge.

    Listari, S., Romadhon, M., & Che-ni, H. (2022). The Influence Of Financial Literature And Contribution Of Universities On Student Financial Behavior.

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    Mughal, I., Maitlo, A. A., Mughal, D. D. K., Nazir, S., & Hifza, G. (2024). Mediating Effect of Students Entrepreneurial Attitude in Relationship of Financial Literacy and Financial Behavior on Entrepreneurial Intention. Journal of Asian Development Studies, 13(1), 436-452.

    Nash, D. R. (2012). Financial literacy: an Indian scenario. Asian Journal of Research in Banking and Finance, 2(4), 79-84.

    Pratiwi, R., & Amri, F. (2022). Pengaruh Sikap Finansial Dan Perilaku Finansial Terhadap Taraf Literasi Finansial Mahasiswa. Edunomic: Jurnal Ilmiah Pendidikan Ekonomi Fakultas Keguruan dan Ilmu Pendidikan, 10(2), 203-212.

    Pricilla, A., Yusuf, M., & Handarini, D. (2024). Pengaruh Financial Literacy dan Financial Attitude Terhadap Financial Management Behavior dengan Mediasi Locus of Control.

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    Rosita, R., Jasman, J., & Asriany, A. (2023). Pengaruh Literasi Keuagan dan Financial Technologi Terhadap Minat Mahasiswa Dalam Berinvestasi. Pengaruh Literasi Keuagan dan Financial Technologi terhadap Minat Mahasiswa dalam Berinvestasi, 5(4), 2789-2798.

    Sesa, P. V. S., Allolayuk, T., & Lamba, R. A. (2023). Pelatihan Manajemen Keuangan Usaha Bagi Kelompok Mama-Mama Penjual Pinang di Expo Waena Kota Jayapura.

    Setiawan, A. R., Puspaningrum, M., & Umam, K. (2019). Pembelajaran fiqh mu’?mal?t berorientasi literasi finansial. Tarbawy: Indonesian Journal of Islamic Education, 6(2), 187-192.

    Shcherbakova, I. G., & Lagunova, Y. M. (2022). Financial Literacy Of Students And Its Improvement Through The Application Of Interactive Learning Methods.

    Sujud, F. A., & Setiaji, K. (2020). Determinan Tingkat Literasi Keuangan Siswa Sekolah Menengah (Studi Komparatif Indonesia dan Vietnam). Journal of Economic Education and Entrepreneurship Studies, 1(1), 1-15.

    Sumantri, M. B. A., Mukhlis, T. I., Susanti, N., Padmanegara, O. H., Yanida, P., & Widajatun, V. W. (2024). The Influence of Financial Literacy and Financial Attitude on Financial Management Behavior. Economics and Business Quarterly Reviews, 7(1).

    Tanri, B., & Marlina, M. A. E. (2022). Pengaruh Tingkat Ekonomi Keluarga, Uang Saku, Jenis Kelamin Dan Indeks Prestasi Kumulatif Terhadap Financial Literacy Mahasiswa Akuntansi. Equilibiria: Jurnal Fakultas Ekonomi, 9(1), 120-132.

    Utami, N., Saadah, S., Sitanggang, M. L., & Kusumahadi, T. A. (2022). Edukasi Literasi Keuangan.

    Wulandari, D., & Narmaditya, B. S. (2022). Financial Literacy Among Affirmative University Students. AL-ISHLAH: Jurnal Pendidikan, 14(3), 3995-4002.

    Zait, A., & Bertea, P. E. (2015). Financial literacy–Conceptual definition and proposed approach for a measurement instrument. the Journal Of accounting and management, 4(3).

  1. Agustina, Y., Davis, C., & Haryono, S. B. (2023). Financial management behavior of Indonesian banking customer based on individual literacy level. Journal Of Eastern European And Central Asian Research, 10(2), 164-178.
  2. Al Rahahleh, N. (2022). Financial literacy levels among saudi citizens across budgeting, saving, investment, debt, and insurance dimensions. Journal of Risk and Financial Management, 15(12), 582.
  3. Alamin, R. Y., Zulaikha, E., & Gunarta, I. K. (2022). Board Game as Financial Literacy Education Media for Indonesian High School Students. Paper presented at the 2022 IEEE International Conference on Industrial Engineering and Engineering Management (IEEM).
  4. Alsmadi, A. A. (2022). Financial literacy: A bibliometric analysis for the period of 1990-2021.
  5. Deda, Y. N., Disnawati, H., & Missa, A. (2022). Financial literacy and personal financial management assessment among students in border area of indonesia-timor leste. IJHCM (International Journal of Human Capital Management), 6(1), 1-12.
  6. Dwiastanti, A. (2015). Financial Literacy as the Foundation for Individual Financial Behavior. Journal of Education and Practice, 6(33), 99-105.
  7. Febriyanti, F., & Muazaroh, M. (2023). Pengaruh Literasi Keuangan dan Faktor Demografis terhadap Keputusan Investasi pada Masyarakat Surabaya. Jurnal Manajemen dan Ilmu Administrasi Publik (JMIAP), 5(2), 147-153.
  8. Firmialy, S. D., & Hidayat, A. M. (2022). Financial Literacy on Millenial Entrepeneurs during Pandemic Covid-19. International Research Journal of Business Studies, 15(2).
  9. Ismawati, D. (2015). Literasi Finansial pada Mahasiswa Fakultas Ekonomi Universitas Jember.
  10. Karakurum-Ozdemir, K., Kokkizil, M., & Uysal, G. (2019). Financial literacy in developing countries. Social Indicators Research, 143, 325-353.
  11. Kartini, T. K., & Mashudi, U. (2022). Literasi keuangan (financial literacy) mahasiswa indekos calon pendidik ekonomi FKIP Universitas Jember. Jurnal Promosi Program Studi Pendidikan Ekonomi, 10(2).
  12. Lailiyah, E. H., Yaumi, S., Lestari, D., Sufianto, P., Nurfitriana, T., Saputra, R. W., et al. (2023). Financial literacy: learn smartly and wisely family’s financial planning in Gedongboyo Untung Village, Lamongan. Community Empowerment, 8(4), 459-464.
  13. Laily, N., Herdiani, A., & Dellar, G. (2022). An investigation on the financial literacy of accounting students in Indonesia. In Urbanizing the Regional Sector to Strengthen Economy and Business to Recover from Recession (pp. 225-231): Routledge.
  14. Listari, S., Romadhon, M., & Che-ni, H. (2022). The Influence Of Financial Literature And Contribution Of Universities On Student Financial Behavior.
  15. Mahesa, V. (2023). Financial Literacy: an Initiative Taken by the Government of Karnataka. International Journal For Multidisciplinary Research. https://doi. org/10.36948/ijfmr, v05i03.
  16. Mughal, I., Maitlo, A. A., Mughal, D. D. K., Nazir, S., & Hifza, G. (2024). Mediating Effect of Students Entrepreneurial Attitude in Relationship of Financial Literacy and Financial Behavior on Entrepreneurial Intention. Journal of Asian Development Studies, 13(1), 436-452.
  17. Nash, D. R. (2012). Financial literacy: an Indian scenario. Asian Journal of Research in Banking and Finance, 2(4), 79-84.
  18. Pratiwi, R., & Amri, F. (2022). Pengaruh Sikap Finansial Dan Perilaku Finansial Terhadap Taraf Literasi Finansial Mahasiswa. Edunomic: Jurnal Ilmiah Pendidikan Ekonomi Fakultas Keguruan dan Ilmu Pendidikan, 10(2), 203-212.
  19. Pricilla, A., Yusuf, M., & Handarini, D. (2024). Pengaruh Financial Literacy dan Financial Attitude Terhadap Financial Management Behavior dengan Mediasi Locus of Control.
  20. Ratnasari, R., Khoeriah, A. S., & Bahri, S. (2022). Pengaruh Pemahaman Mahasiswa Terhadap Penggunaan Jasa Keuangan Syariah Bank Dan Non-Bank (Studi Kasus Pada Mahasiswa STIES Indonesia Purwakarta). EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan), 6(1), 41-57.
  21. Rosita, R., Jasman, J., & Asriany, A. (2023). Pengaruh Literasi Keuagan dan Financial Technologi Terhadap Minat Mahasiswa Dalam Berinvestasi. Pengaruh Literasi Keuagan dan Financial Technologi terhadap Minat Mahasiswa dalam Berinvestasi, 5(4), 2789-2798.
  22. Sesa, P. V. S., Allolayuk, T., & Lamba, R. A. (2023). Pelatihan Manajemen Keuangan Usaha Bagi Kelompok Mama-Mama Penjual Pinang di Expo Waena Kota Jayapura.
  23. Setiawan, A. R., Puspaningrum, M., & Umam, K. (2019). Pembelajaran fiqh mu’?mal?t berorientasi literasi finansial. Tarbawy: Indonesian Journal of Islamic Education, 6(2), 187-192.
  24. Shcherbakova, I. G., & Lagunova, Y. M. (2022). Financial Literacy Of Students And Its Improvement Through The Application Of Interactive Learning Methods.
  25. Sujud, F. A., & Setiaji, K. (2020). Determinan Tingkat Literasi Keuangan Siswa Sekolah Menengah (Studi Komparatif Indonesia dan Vietnam). Journal of Economic Education and Entrepreneurship Studies, 1(1), 1-15.
  26. Sumantri, M. B. A., Mukhlis, T. I., Susanti, N., Padmanegara, O. H., Yanida, P., & Widajatun, V. W. (2024). The Influence of Financial Literacy and Financial Attitude on Financial Management Behavior. Economics and Business Quarterly Reviews, 7(1).
  27. Tanri, B., & Marlina, M. A. E. (2022). Pengaruh Tingkat Ekonomi Keluarga, Uang Saku, Jenis Kelamin Dan Indeks Prestasi Kumulatif Terhadap Financial Literacy Mahasiswa Akuntansi. Equilibiria: Jurnal Fakultas Ekonomi, 9(1), 120-132.
  28. Utami, N., Saadah, S., Sitanggang, M. L., & Kusumahadi, T. A. (2022). Edukasi Literasi Keuangan.
  29. Wulandari, D., & Narmaditya, B. S. (2022). Financial Literacy Among Affirmative University Students. AL-ISHLAH: Jurnal Pendidikan, 14(3), 3995-4002.
  30. Zait, A., & Bertea, P. E. (2015). Financial literacy–Conceptual definition and proposed approach for a measurement instrument. the Journal Of accounting and management, 4(3).