Analisis Minat Masyarakat terhadap Layanan Fintech Syariah: Studi Pengabdian Bersama BSI Gresik

https://doi.org/10.35912/jpu.v4i1.4643
Published: Feb 10, 2025

Abstract:

Purpose: This study aims to analyze public interest in Sharia fintech services, focusing on the collaborative community service initiative with Bank Syariah Indonesia (BSI) Gresik. This research seeks to identify factors influencing community adoption, perceptions, and challenges related to Sharia-compliant financial technology.

Methodology/approach: The study was conducted in Gresik, East Java, in collaboration with BSI Gresik. Data were collected through surveys distributed to 150 respondents, including BSI customers and local residents. The survey utilized a structured questionnaire with Likert-scale questions covering aspects such as awareness, trust, and usage patterns of Sharia fintech.

Results/findings: The findings indicate moderate awareness of Sharia fintech services, with trust in Islamic financial principles being a key driver of adoption. However, limited product knowledge and concerns regarding security were identified as barriers.

Conclusion: The study concludes that while there is growing interest in Sharia fintech services, targeted educational campaigns and improved security measures are needed to boost adoption. Collaboration between Islamic banks and fintech providers can further enhance accessibility and trust, aligning with the principles of financial inclusion and compliance with Sharia.

Limitations: The study was geographically limited to Gresik, and the sample may not fully represent diverse socioeconomic groups. Additionally, reliance on self-reported data may have introduced a bias.

Contribution: This study contributes to the understanding of Sharia fintech adoption in Indonesia by providing insights for Islamic banks, fintech developers, and policymakers to enhance financial inclusion strategies. It also supports the academic discourse on Islamic finance and digital innovation.

Keywords:
1. Community Service
2. Financial Inclusion
3. Islamic Finance
Authors:
1 . Fatichatur Rachmaniyah
2 . Dewi Kusmayasari
3 . Nabillatul Khamila
4 . Selvia Laely Dwi Astuti
5 . Harda Prameswana
6 . Arya Dhita Indriani
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Rachmaniyah, F. ., Kusmayasari, D. ., Khamila, N. ., Astuti, S. L. D. ., Prameswana, H. ., & Indriani, A. D. . (2025). Analisis Minat Masyarakat terhadap Layanan Fintech Syariah: Studi Pengabdian Bersama BSI Gresik. Jurnal Pemberdayaan Umat, 4(1), 13–24. https://doi.org/10.35912/jpu.v4i1.4643
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Vol. 4 No. 1 (2025): Februari
Articles
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  1. Abdullah, M., & Rahman, A. (2022). The growth of Islamic fintech: Challenges and opportunities in Indonesia. Journal of Islamic Finance, 11(1), 45–60.
  2. Ajzen, I. (2016). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 179–211.
  3. Alshater, M. M., Saba, I., Supriani, I., & Rabbani, M. R. (2022). Fintech in islamic finance literature: A review. Heliyon, 8, 1–24. https://doi.org/10.1016/j.heliyon.2022.e10385.
  4. Antika, Z. R., Rusmana, O., & Widianingsih, R. (2023). Analisis Determinasi Minat dan Penggunaan Financial Technology Payment Menggunakan Theory of Planned Behavior: Studi pada Mahasiswa Unsosed. Jurnal Ilmu Siber Dan Teknologi Digital, 1(2), 111–124. https://doi.org/10.35912/jisted.v1i2.2097
  5. Arisdiyoto, I., Aviani, N., Handayani, D. N., Afhiani, S. N., & Apriyani, E. (2024). Edukasi Masyarakat Terkait Batas Wilayah melalui Sosialisasi Tertib Administrasi Batas Wilayah di Lingkungan Rukun Warga Kelurahan Sungai Jawi Kota Pontianak. Yumary: Jurnal Pengabdian Kepada Masyarakat, 4, 529–539. https://doi.org/10.35912/yumary.v4i4.2933
  6. Aziz, M. R., Hasan, M., & Wahid, H. (2020). The Role of Islamic Financial Technology in Promoting Financial Inclusion. Journal of Islamic Marketing, 11(4), 1055–1073. https://doi.org/https://doi.org/10.1108/JIMA-07-2019-0133
  7. Demirgüç-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. World Bank. https://doi.org/10.1596/978-1-4648-1259-0
  8. Danil, A., Br, M., Putra, J., Desriani, N., & Rohman, F. (2024). Program Pendampingan Komprehensif untuk UMKM Kota Bandar Lampung: Legalitas Usaha dan Literasi Keuangan Syariah. 3(2), 49–59. https://doi.org/10.35912/JPU.v3i2.3358
  9. Davis, F. D. (2016). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319. https://doi.org/10.2307/249008
  10. Fatwa DSN-MUI No. 117/DSN-MUI/II/2018. (2018). Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah.
  11. Hasan, R., Sarea, A., & Mustafa, M. (2021). The impact of Sharia compliance on fintech adoption. International Journal of Islamic Economics and Finance, 4(1), 89–104.
  12. Zaharuddin, A., Mansor, F., & Kassim, S. (2020). Islamic Fintech: A Review of Literature and Future Research Directions. Journal of Islamic Monetary Economics and Finance, 6(1), 157–183. https://doi.org/10.21098/jimf.v6i1.1175
  13. Karim, S., Rosman, R., & Abd Wahab, N. (2021). Consumer acceptance of Islamic fintech: An empirical study in Malaysia. International Journal of Islamic Economics and Finance, 4(2), 201–220.
  14. Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
  15. Melati, Y. A. (2024). Fintech and financial performance in the banking industry: A literature review. Asian Journal of Economics and Business Management, 3(1), 357–361. https://doi.org/10.53402/ajebm.v3i1.385
  16. Otoritas Jasa Keuangan. (2023). Roadmap Pengembangan Fintech Syariah Indonesia.
  17. Otoritas Jasa Keuangan (OJK). (2023). Statistik fintech syariah Indonesia 2023. https://www.ojk.go.id.
  18. Palupi, Y. (2023). Pelatihan Pendampingan Literasi Keuangan UMKM Era Digital di Majlis Taklim as Syafaah Kabupaten Sumedang Jawa Barat. Jurnal Indonesia Indonesia (JNM), 3(3), 137–144. https://doi.org/10.35912/jnm.v3i3.3349
  19. Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (2016). SERVQUAL: A multiple-item scale for measuring consumer perceptions of service quality. Journal of Retailing, 64(1), 12–40.
  20. Putri, R. A. A., Pangestuti, D. C., & Kusmana, A. (2021). Analisis Kinerja Keuangan Sektor Perbankan Sebelum dan Sesudah Adanya Perusahaan Teknologi Finansial. Reviu Akuntansi, Manajemen, Dan Bisnis, 1(2), 91–102.
  21. Samad, S., Kashif, M., Wijeneyake, S., & Mingione, M. (2022). Islamic religiosity and ethical intentions of Islamic bank managers: rethinking theory of planned behaviour. Journal of Islamic Marketing, 13(11), 2421–2436. https://doi.org/10.1108/JIMA-02-2020-0042
  22. Supeno, S., & History, A. (2022). Legal capacity in online loan transactions (The study on legal personal liability theory). Annals of Justice and Humanity (AJH), 1(2), 51–57. https://doi.org/10.35912/ajh.v1i2.1347
  23. Suryanto, T., Utomo, S. H., & Riyadi, S. A. (2021). Analisis Preferensi Masyarakat terhadap Penggunaan Fintech Syariah di Indonesia. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 13(2), 205–222.
  24. Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27(1), 51–90. https://doi.org/10.2307/30036519
  25. Wahid, M., & Ahmad, F. (2022). Determinants of Islamic fintech adoption: Evidence from semi-urban communities in Indonesia. Journal of Islamic Monetary Economics and Finance, 8(1), 47–65.