Nilai Keberlanjutan dan Minat Mahasiswa Menggunakan Layanan Bank Syariah Digital
DOI:
https://doi.org/10.31851/jmwe.v22i4.20152Keywords:
Nilai Keberlanjutan, Minat, DigitalisasiAbstract
ABSTRAK
Penelitian ini bertujuan menguji pengaruh nilai keberlanjutan yang dimiliki mahasiswa terhadap minat mereka menggunakan layanan bank syariah digital. Mahasiswa sebagai generasi yang peduli terhadap isu lingkungan dan sosial cenderung memilih produk dan layanan yang ramah lingkungan, efisien, dan berkontribusi pada kegiatan sosial. Bank syariah digital yang mengedepankan efisiensi melalui minimnya penggunaan kantor fisik serta memperluas akses pasar secara inklusif, dianggap memiliki nilai keberlanjutan yang tinggi. Melalui penelitian ini, diharapkan diperoleh pemahaman tentang bagaimana nilai keberlanjutan mahasiswa memengaruhi preferensi mereka terhadap layanan keuangan digital berbasis syariah. Penelitian ini menggunakan data primer dengan cara menyebarkan kuesioner kepada 142 mahasiswa Indonesia. Analisis data dilakukan dengan menggunakan metode Partial Least Squares (PLS). Hasil analisis menunjukkan adanya pengaruh signifikan nilai keberlanjutan terhadap minat mahasiswa dalam mengadopsi layanan bank syariah digital. Temuan ini mengindikasikan bahwa nilai keberlanjutan menjadi faktor penting yang mendorong mahasiswa mengadopsi layanan perbankan digital berbasis Syariah. Hasil penelitian ini sekaligus mencerminkan kesadaran mahasiswa akan pentingnya pengurangan dampak lingkungan dalam sektor perbankan.
Kata Kunci: Nilai Keberlanjutan, Minat, Digitalisasi.
ABSTRACT
This study aims to examine the influence of students' sustainability values on their interest in using digital Islamic banking services. Students, as a generation concerned with environmental and social issues, tend to choose products and services that are environmentally friendly, efficient, and contribute to social activities. Digital Islamic banks that prioritize efficiency by minimizing the use of physical offices and expanding inclusive market access are considered to have high sustainability values. Through this study, it is hoped to gain an understanding of how students' sustainability values influence their preferences for Sharia-based digital financial services. This study utilized primary data by distributing questionnaires to 142 Indonesian students. Data analysis was conducted using the Partial Least Squares (PLS) method. The results of the analysis indicate a significant influence of sustainability values on students' interest in adopting digital Islamic banking services. This finding suggests that sustainability values are significant factors which is driving students to adopt Sharia-based digital banking services. These results also reflect students' awareness of the importance of reducing environmental impacts in the banking sector.
Keywords : Sustainability Values, Intentions, Digitalization.
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