The Gap in Sharia Financial Literacy and Digital Financial Inclusion among Generation Z in Bengkalis: A Qualitative Study on the Financial Behavior of Students
DOI:
https://doi.org/10.56633/maisha.v3i1.1434Keywords:
Islamic financial literacy; digital financial inclusion; student financial behavior.Abstract
The rapid development of digital finance in Indonesia has increased public access to financial services, particularly among Generation Z. However, this rise in inclusion is not always accompanied by adequate understanding of Sharia financial principles, leading to a gap between literacy and practice. This study aims to analyze the disparity in Sharia financial literacy and digital financial inclusion among students as representatives of Generation Z, while also examining the resulting financial behaviors. The method employed is a qualitative approach, with data collection through in-depth interviews and observations. The findings reveal that students have high access to digital financial services, yet their understanding of Sharia concepts and principles remains limited, resulting in financial decisions that are pragmatic rather than value-based. This gap is influenced by factors such as technological ease, lack of education, and the dominance of conventional platforms. The study concludes that strengthening Sharia financial literacy integrated with the digital ecosystem is needed to promote financial behaviors more aligned with Sharia principles.
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