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Analysis of Factors Affecting Islamic Financial Literacy among Students (Case Study of Islamic Banking Students of UIN North Sumatra)

Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam · Vol. 10 No. 1 (2025) · pp. 1–18

DOI
10.31332/lifalah.v10i1.11777
ISSN
2549-6085, 2541-6545
Published
2025-07-08
Publisher
Institut Agama Islam Negeri Kendari
License
creativecommons.org/licenses/by-sa/4.0

Abstract

The purpose of this study is to investigate how gender influences (X1) and financial knowledge (X2) on Islamic financial literacy (Y) among students of the Islamic Banking Study Program at UINSU. The research employs a quantitative method utilizing data gathered from 91 respondents as well as examination of multiple linear regression. The findings indicate that gender significantly influences Islamic financial literacy, with male students demonstrating higher literacy levels compared to females. Financial knowledge also has a significant impact and serves as the dominant factor in enhancing Islamic financial literacy. Simultaneously, both X1 and X2 variables significantly impact Islamic financial literacy, contributing more than fifty percent. This research was conducted to have a positive impact on students, especially the UINSU Islamic Banking Study Program, in increasing finansial knowledge related to Islamic financial principles and practices.

Collaboration network of the authors

5 authors · 6 co-authorship links

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  • Universitas Islam Negeri Sumatera Utara
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
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Co-authorOrganisationJoint articles
Marianti A. ManggauAffiliation unknown1
Yunus AmranAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

This record comes from Crossref (what the publisher deposited), because the journal's own OAI-PMH endpoint could not be harvested.

Metadata source: Crossref API (cadangan, berdasarkan ISSN) https://api.crossref.org/journals/2549-6085/works, first harvested 29 Okt 2026, last seen 1 Nov 2026.
Metadata as oai_dc, converted from Crossref
<oai_dc:dc xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/"><dc:title>Analysis of Factors Affecting Islamic Financial Literacy among Students (Case Study of Islamic Banking Students of UIN North Sumatra)</dc:title><dc:creator>Siregar, Nabila Safutri</dc:creator><dc:creator>Nasution, Juliana</dc:creator><dc:creator>Inayah, Nurul</dc:creator><dc:description>&lt;jats:p&gt;The purpose of this study is to investigate how gender influences (X1) and financial knowledge (X2) on Islamic financial literacy (Y) among students of the Islamic Banking Study Program at UINSU. The research employs a quantitative method utilizing data gathered from 91 respondents as well as examination of multiple linear regression.  The findings indicate that gender significantly influences Islamic financial literacy, with male students demonstrating higher literacy levels compared to females. Financial knowledge also has a significant impact and serves as the dominant factor in enhancing Islamic financial literacy. Simultaneously, both X1 and X2 variables significantly impact Islamic financial literacy, contributing more than fifty percent. This research was conducted to have a positive impact on students, especially the UINSU Islamic Banking Study Program, in increasing finansial knowledge related to Islamic financial principles and practices.&lt;/jats:p&gt;</dc:description><dc:publisher>Institut Agama Islam Negeri Kendari</dc:publisher><dc:date>2025-07-08</dc:date><dc:type>info:eu-repo/semantics/article</dc:type><dc:format>application/pdf</dc:format><dc:identifier>https://doi.org/10.31332/lifalah.v10i1.11777</dc:identifier><dc:identifier>10.31332/lifalah.v10i1.11777</dc:identifier><dc:source>Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam; Vol 10 No 1 (2025); 1-18</dc:source><dc:source>2549-6085</dc:source><dc:source>2541-6545</dc:source><dc:relation>https://ejournal.iainkendari.ac.id/index.php/lifalah/article/download/11777/3570</dc:relation><dc:rights>http://creativecommons.org/licenses/by-sa/4.0</dc:rights></oai_dc:dc>