DETERMINANTS OF SHARIA FINANCE INCLUSION IN THE STUDENT ENVIRONMENT
Abstract
Sharia financial inclusion is classified as a low category and needs to be improved to improve people's welfare. This study analyzes the impact of financial literacy, financial technology, and financial self-efficacy on Islamic financial inclusion and looks at the differences in Islamic financial inclusion in student groups. The research data used a questionnaire distributed to 174 students. Data analysis uses the t-test approach, F-test, and independent test differential. The results of the study showed that financial literacy partially affected Sharia financial inclusion, financial technology did not affect Sharia financial inclusion, and financial self-efficacy was recorded to influence Islamic financial inclusion in the business and management student group but did not influence the non-business and management student group. The analysis results did not show any difference in Islamic financial inclusion and financial literacy, but there was a difference between financial technology and financial self-efficacy between the two groups of students.
Moraref