Pengaruh Literasi Keuangan Syariah, Religiusitas, Kepercayaan, dan Fintech Syariah terhadap Inklusi Keuangan Syariah (Studi pada Generasi Z di Kecamatan Kedungwuni, Kabupaten Pekalongan).

Huwaida, Alya Nisrina (2026) Pengaruh Literasi Keuangan Syariah, Religiusitas, Kepercayaan, dan Fintech Syariah terhadap Inklusi Keuangan Syariah (Studi pada Generasi Z di Kecamatan Kedungwuni, Kabupaten Pekalongan). Undergraduate Thesis thesis, UIN K.H. Abdurrahman Wahid Pekalongan.

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Abstract

Inklusi keuangan syariah merupakan indikator penting dalam memperluas akses masyarakat terhadap layanan keuangan berbasis syariah, namun pemanfaatannya di Indonesia masih relatif rendah. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah, religiusitas, kepercayaan, dan fintech syariah terhadap inklusi keuangan syariah pada Generasi Z di Kecamatan Kedungwuni, Kabupaten Pekalongan. Metode penelitian menggunakan pendekatan kuantitatif dengan jenis survei. Sampel penelitian berjumlah 100 responden Generasi Z yang ditentukan menggunakan teknik kombinasi purposive sampling dan simple random sampling. Teknik analisis data menggunakan Structural Equation Modeling-Partial Least Square (SEM-PLS) melalui aplikasi SmartPLS 4. Hasil analisis menunjukkan bahwa literasi keuangan syariah berpengaruh positif dan signifikan terhadap inklusi keuangan syariah (koefisien jalur = 0,368; t-statistic = 2,970; p-value = 0,001). Demikian pula, kepercayaan terbukti berpengaruh positif dan signifikan terhadap inklusi keuangan syariah (koefisien jalur = 0,229; t-statistic = 1,524; p-value = 0,064). Di sisi lain, dua variabel lainnya tidak berpengaruh signifikan, yaitu: religiusitas (koefisien jalur = 0,058; t-statistic = 0,409; p-value = 0,341) dan fintech syariah (koefisien jalur = 0,149; t-statistic = 0,969; p-value = 0,166). Nilai R-Square sebesar 0,468 mengindikasikan bahwa variabel independen mampu menjelaskan variasi inklusi keuangan syariah sebesar 46,8%, sementara 53,2% sisanya dipengaruhi oleh faktor lain di luar model penelitian. Kata Kunci: Literasi Keuangan Syariah, Religiusitas, Kepercayaan, Fintech Syariah, Inklusi Keuangan Syariah. .   ABSTRACT ALYA NISRINA HUWAIDA. The Influence of Sharia Financial Literacy, Religiosity, Trust, and Sharia Fintech on Sharia Financial Inclusion (A Study on Generation Z in Kedungwuni District, Pekalongan Regency). Sharia financial inclusion is a crucial indicator in expanding public access to sharia-based financial services; however, its adoption in Indonesia remains relatively low. This study aims to analyze the influence of sharia financial literacy, religiosity, trust, and sharia fintech on sharia financial inclusion among Generation Z in Kedungwuni District, Pekalongan Regency. This research employs a quantitative approach with a survey method. The sample consists of 100 Generation Z respondents determined through a combination of purposive sampling and simple random sampling techniques. Data analysis was conducted using Structural Equation Modeling-Partial Least Square (SEM-PLS) via SmartPLS 4. The analysis results demonstrate that sharia financial literacy has a positive and significant influence on sharia financial inclusion (path coefficient = 0.368; t-statistic = 2.970; p-value = 0.001). Similarly, trust is proven to have a positive and significant influence on sharia financial inclusion (path coefficient = 0.229; t-statistic = 1.524; p-value = 0.064). Conversely, the other two variables did not show a significant influence, namely: religiosity (path coefficient = 0.058; t-statistic = 0.409; p-value = 0.341) and sharia fintech (path coefficient = 0.149; t-statistic = 0.969; p-value = 0.166). The R-Square value of 0.468 indicates that the independent variables are capable of explaining 46.8% of the variance in sharia financial inclusion, while the remaining 53.2% is influenced by other factors outside the research model. Keywords: Sharia Financial Literacy, Religiosity, Trust, Sharia Fintech, Sharia Financial Inclusion.

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