PENGARUH LITERASI KEUANGAN SYARIAH DAN PENGGUNAANFINTECH TERHADAP KESADARAN PENGHARAMAN RIBA DALAM TRANSAKSI

Abstrak

This study aims to determine the effect of Islamic financial literacy and the use of fintech on awareness of the prohibition of usury intransactions. The data used in this study is the result of awaqf data survey in April 2021. The method used is the descriptive analys is by testing the dataand then interpreting it through a description based on the results of the tests carried out. This study using a sampling technique Probability Sampling. From the results of data processing carried out by researchers, it was found that there was a positive and significant influence between Islamic financial literacy and the use of fintech with awareness of the prohibition of usury intransactions, which obtained an f value of 59,800 with a significance level of 0.000. This study provides anoverview of the factors that influence awareness of the prohibition of usury in transactions. The use of fintech is more directed to the daily needs of the object of research. From the data obtained, only a few use fintech peer-to-peer lending services based on interest or usury. Practically, awareness of the prohibition of usury is something that must be implemented in the community sothat economic activities are carried out following Islamic law as described in the Qur'an and hadith. It is hoped that future research can improve on this research, which in this study did notfind a significant effect. So that future researchers can add other variables that are expected to have a significant influence on awareness of the prohibition of usury intransactions.