PENGARUH LITERASI KEUANGAN SYARIAH DAN PEMAHAMAN RIBA TERHADAP MINAT MAHASISWA MENGGUNAKAN LAYANAN PAYLATER

Abstract

The development of financial technology is driving the increased use of paylater services among students. This phenomenon needs to be studied by considering sharia financial literacy and understanding of usury as aspects related to financial decision-making. This study aims to analyze the influence of sharia financial literacy and understanding of usury on students' interest in using paylater services. This study uses a quantitative approach with a causal associative research type. Data were collected through the distribution of questionnaires to respondents who met the research criteria and analyzed using statistical techniques to test the formulated hypotheses. Analysis was conducted to identify the influence of sharia financial literacy and understanding of usury, both partially and simultaneously, on students' interest in using paylater services. The research results show that Sharia Financial Literacy does not affect Students' Interest in Using Paylater Services, and Understanding of Riba does not affect Students' Interest in Using Paylater Services. However, simultaneously, Sharia Financial Literacy and Understanding of Riba affect Students' Interest in Using Paylater Services.