Pengaruh Literasi Keuangan Syariah Terhadap Inklusi Perbankan Pada Milenial Terdidik

Abstract

This study aims to analyze the understanding of Islamic economic and financial literacy among educated millennials and its impact on their decisions regarding Islamic banking inclusion. The research method employs a descriptive qualitative approach through in-depth interviews with six postgraduate students of Islamic Economic Law at the Institut Ilmu Al-Quran (IIQ) Jakarta. The results indicate that an understanding of Islamic financial literacy significantly impacts financial management and the decision to use Islamic bank accounts. Specifically, fifty percent of the respondents possess good literacy and fully utilize Islamic banking, forty percent are fairly good but still in a transitional phase, and ten percent demonstrate poor literacy as they still rely on conventional banking. Factors such as educational background, social environment, and income heavily influence these literacy levels. In conclusion, comprehensive Islamic financial education is absolutely necessary to increase the market share of Islamic banking among millennials.