Rusyda Maulida, Muchlis

Dampak Aplikasi Mobile Banking Syariah terhadap Literasi Keuangan Islam Masyarakat dan Perilaku Investasi Berbasis Prinsip Syariah

Introduction

Dampak aplikasi mobile banking syariah terhadap literasi keuangan islam masyarakat dan perilaku investasi berbasis prinsip syariah. Penelitian ini mengkaji dampak mobile banking syariah pada literasi keuangan Islam masyarakat dan perilaku investasi syariah. Menganalisis peran teknologi digital dalam inklusi keuangan syariah.

Abstract

Penelitian ini mengkaji dampak aplikasi mobile banking syariah terhadap literasi keuangan Islam masyarakat dan perilaku investasi berbasis prinsip syariah. Seiring pesatnya digitalisasi dan pertumbuhan perbankan syariah, pemahaman masyarakat akan prinsip keuangan Islam menjadi krusial. Mobile banking syariah tidak hanya menawarkan kemudahan transaksi, tetapi juga berpotensi menjadi medium edukasi yang efektif. Menggunakan pendekatan kuantitatif melalui survei terhadap nasabah mobile banking syariah dan didukung analisis kualitatif dari wawancara, penelitian ini menganalisis korelasi antara penggunaan aplikasi, peningkatan literasi, dan adopsi investasi syariah. Hasil studi diharapkan memberikan wawasan mengenai peran teknologi digital dalam meningkatkan inklusi dan literasi keuangan syariah, serta menjadi dasar rekomendasi bagi bank syariah dan regulator dalam mengembangkan strategi edukasi dan produk investasi yang lebih relevatif dan menjangkau masyarakat luas.

Review

This study, titled "Dampak Aplikasi Mobile Banking Syariah terhadap Literasi Keuangan Islam Masyarakat dan Perilaku Investasi Berbasis Prinsip Syariah," addresses a highly relevant and timely topic at the intersection of financial technology, Islamic finance, and financial literacy. In an era of rapid digitalization and the growing prominence of Sharia banking, understanding how digital tools like mobile banking applications can influence public comprehension of Islamic financial principles and subsequent investment behavior is crucial. The abstract effectively highlights the potential of mobile banking not merely as a transactional platform, but as an effective medium for education, making this research significant for fostering greater inclusion and deeper understanding within the Islamic finance ecosystem. The proposed methodology, combining a quantitative survey with qualitative interviews among Sharia mobile banking customers, appears robust and well-suited to capture both the breadth and depth of the phenomena under investigation. The quantitative approach will allow for the assessment of correlations between app usage, increased literacy, and the adoption of Sharia-compliant investments across a broader sample, while the qualitative component promises to offer rich insights into the underlying mechanisms and perceptions. This mixed-methods design holds the potential to provide a comprehensive view of how digital engagement translates into tangible shifts in Islamic financial literacy and investment practices, provided the sampling strategy and analytical rigor for both components are appropriately managed. The expected outcomes of this research are highly promising, offering valuable insights into the instrumental role of digital technology in enhancing Sharia financial inclusion and literacy. The findings are poised to provide a solid foundation for strategic recommendations aimed at Sharia banks and regulators, guiding them in the development of more effective educational strategies and the design of investment products that are both relevant and accessible to a wider populace. By illuminating the pathways through which mobile banking can empower individuals with Islamic financial knowledge and encourage Sharia-compliant investment, this study stands to make a significant contribution to both academic literature and practical policy-making within the evolving landscape of global Islamic finance.

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