The Influence Of Sharia Financial Literacy On Students' Interest In Developing Sharia-Based Businesses At Muhammadiyah University Of Bima

Anya Sulistyaningsih; Ichwan P. Syamsudin; Muhammad Zia Ulhaq

doi:10.55681/economina.v5i3.1916

Authors

Anya Sulistyaningsih Universitas Muhammadiyah Bima, Indonesia
Ichwan P. Syamsudin Universitas Muhammadiyah Bima, Indonesia
Muhammad Zia Ulhaq Universitas Muhammadiyah Bima, Indonesia

DOI:

https://doi.org/10.55681/economina.v5i3.1916

Keywords:

Sharia Financial Literacy, Student Interest, Sharia-Based Business, Sharia Entrepreneurship

Abstract

This study aims to determine the effect of Islamic financial literacy on students’ interest in developing sharia-based businesses at Universitas Muhammadiyah Bima. This research used a quantitative approach with a survey method. Data were collected through questionnaires distributed to 50 student entrepreneurs. The data analysis techniques included validity test, reliability test, normality test, simple linear regression analysis, t-test, and coefficient of determination using SPSS software. The results showed that Islamic financial literacy has a positive and significant effect on students’ interest in developing sharia-based businesses. The better students understand Islamic financial principles, the higher their interest in running and developing businesses based on sharia principles.

Downloads

Download data is not yet available.

References

Amalia, D., Muhaimin, M., & Windianingsih, A. (2025). The Impact of Sharia Financial Literacy and Business Motivation on Generation Z's Entrepreneurial Interest. RIGGS , 4 (3), 4201–4208.

Aprilia, T., & Indrarini, R. (2024). The Influence of Sharia Financial Literacy, Facilities, and Trust on Savings Interest in Sharia Banks for Rural Communities in Nganjuk. Journal of Islamic Economics and Business, 7 (3), 48–59. https://doi.org/10.26740/jekobi.v7n3.p48-59

Ardiansyah, Riyans, & Arifin, IA (2025). The Influence of E-Commerce, Financial Literacy, and Entrepreneurial Knowledge on Students' Interest in Entrepreneurship. Journal of Economics , 16 (2), 357–366. https://doi.org/10.35334/k7hjbn73

Az-Zahrah, DI (2025). The Influence of Sharia Financial Literacy, Personal Religiousness, and Islamic Branding on Interest in Becoming a Customer at Indonesian Sharia Banks from an Islamic Perspective (Study on Generation Z in Bandar Lampung).

Cahyono, MA Mahmud Sitti Anggriani Didik. (2023). EDUCATIONAL PSYCHOLOGY.

Darmaji, S., & Candra, YTA (2025). The Influence of Financial Literacy, Entrepreneurial Knowledge, and E-Commerce on Students' Interest in Entrepreneurship. Multiplier: Journal of Master of Management, 6 (1), 297–313. https://doi.org/10.24905/mlt.v6i1.116

Irawan, F. (2024). Improving Sharia Financial Literacy Among College Students to Create an Independent Muslim Economic Generation.

Irfan, M. (2025). The Influence of Entrepreneurship Education and Financial Literacy on Students' Interest in Entrepreneurship in Jombang. Indonesian Journal of Business and Economics , 1 (2), 6–16. https://doi.org/10.231086/gfhn8q95

Jannah, M., Akbar, E., Efrina, L., & Islam An Nur Lampung, U. (2018). Public Understanding of Islamic Banking (Case Study in Adi Jaya Village, Terbanggi Besar District, Central Lampung Regency). Az-Zahra Journal: Journal of Islamic Economics and Business.

Khosiah, N., Tobroni, & Widodo, J. (2024). Main Thoughts on the Philosophy of Education in the Modern Era. Imtiyaz: Journal of Islamic Sciences, 8 (2), 458–478. https://doi.org/10.46773/Imtiyaz.V8i2.1174

Khusna, A., Sangka, KB, & Muchsini, B. (2020). Factors Influencing Students' Interest in Entrepreneurship. Journal of Accounting and Financial Education Development (JPPAK) , 1 (1). https://doi.org/10.20961/jppak.v1i1.54735

Menne, F. (2023). Innovation and Sharia Financial Literacy for MSMEs. Jesya (Journal of Economics and Sharia Economics), 6 (1), 1111–1122. https://doi.org/10.36778/jesya.v6i1.1213

Mirza, R., Hisan, K., & Maulana, Z. (2024). Financial Blessings: Challenges and Implementation of Sharia Financial Planning for Generation Z in Langsa City. Ihtiyath: Journal of Sharia Financial Management, 8 (2), 129–142. https://doi.org/10.32505/Ihtiyath.V8i2.9550

Putri, MN (2022). The Influence of Sharia Financial Literacy on the Performance of Micro, Small, and Medium Enterprises in Soreang District, Parepare.

Rahma Tanjung Sari, T., & Tjipto Subroto, W. (2023). The influence of economic literacy, e-commerce, and family environment on students' interest in entrepreneurship. Journal of Economic Education Research, 8 (2), 149–161. https://doi.org/10.21067/jrpe.v8i2.8792

Rahmawati, LH, Rabbani, A., & Latifa, U. (2025). The Influence of Sharia Financial Literacy, Religiosity, Sharia Financial Inclusion, and Digital M-Banking Services: A Case Study of BSI Bandar Lampung Customers for the 2020–2024 Period. MAMEN: Journal of Management , 4 (2), 158–170. https://doi.org/10.55123/mamen.v4i2.5074

Saleh, AA (2018). INTRODUCTION TO PSYCHOLOGY.

Salle, H.T., Ratang, W., Layuk, P.K.A., Salle, A., Wonar, K., Yusuf, G., & Ilham, I. (2024). Application of financial literacy in fostering interest in entrepreneurship. Scientific Journal of Economics and Management, 2 (10), 225–234. https://doi.org/10.61722/jiem.v2i10.2749

Sugiyono. (2021). Quantitative, qualitative, and R&D research methods. Alfabeta Bandung Publisher.

Suhada, W., Nuryakin, RA, Nugraha, MSA, & A, T. (2023). The Role of Entrepreneurship Education in Increasing Student Interest in the World of Entrepreneurship. 4 (2), 475–485.

Wahyuningsih, R. (2020). The Influence of Entrepreneurship Education and Family Environment on Entrepreneurial Interest of STKIP PGRI Jombang Students. Jurnal Kependidikan: Journal of Research Results and Literature Reviews in the Field of Education, Teaching, and Learning, 6 (3), 512–521. https://doi.org/10.33394/jk.v6i3.2874

Zulfayani, A., Nurmilasari, N., Afdhal, N., Rahayu, A., Achriaty, N., & Nurfadilla, I. (2023). The Influence of Sharia Financial Literacy on Students' Interest in Using Sharia Bank Products and Services. Metansi Scientific Journal (Management and Accounting), 6 (2), 201–207. https://doi.org/10.57093/Metansi.V6i2.223