PEMAHAMAN LITERASI KEUANGAN DALAM PENGGUNAAN MOBILE BANKING DI KALANGAN MAHASISWA IAIN KENDARI

Muzayin Yunus, NIM 2021050102007, M (2026) PEMAHAMAN LITERASI KEUANGAN DALAM PENGGUNAAN MOBILE BANKING DI KALANGAN MAHASISWA IAIN KENDARI. Other thesis, IAIN KENDARI.

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Abstract

ABSTRAK

Muzayin Yunus, NIM 2021050102007, “Pemahaman Literasi
Keuangan Dalam Penggunaan Mobile Bangking di Kalangan
Mahasiswa IAIN Kendari”. Dibimbing oleh Bapak Dr. K. H.
Muhammad Hadi, M. HI dan Bapak Dr. Munadi Idris, S.H.I.,
M.E, Program Studi Perbankan Syariah, 2025

Pemahaman literasi keuangan memiliki peranan penting dalam
penggunaan mobile banking di kalangan mahasiswa, mengingat
kemampuan mereka untuk mengelola keuangan pribadi dan
bertransaksi secara digital sangat dipengaruhi oleh pengetahuan dan
keterampilan finansial yang dimiliki. Penelitian ini bertujuan untuk
mengembangkan pemahaman yang lebih jelas tentang beberapa hal
yaitu (1) Untuk mendeskripsikan pemahaman literasi keuangan dalam
penggunaan mobile banking pada mahasiswa IAIN Kendari dan (2)
Untuk mendeskripsikan pemahaman mahasiswa IAIN terhadap mobile
banking. Metode penelitian ini yang digunakan adalah Jenis Penelitian
ini adalah penelitian lapangan (field research) serta metode yang
digunakan unutk menyelesaikan penelitian ini adalah metode kualitatif
deskriptif. Hasil penelitian menunjukkan bahwa Mahasiswa IAIN
Kendari Angkatan 2021 menunjukkan pemahaman yang baik, bahkan
beberapa di antaranya sangat baik dalam memahami literasi keuangan,
termasuk pengetahuan dimana mereka umumnya mengenal fitur seperti
transfer antar rekening, cek saldo, pembayaran tagihan, top-up e-wallet,
dan pembelian pulsa. Pemahaman mahasiswa terhadap keamanan
dalam menggunakan mobile banking tergolong cukup baik. Informan
menunjukkan kesadaran akan pentingnya menjaga privasi data seperti
PIN, password, dan OTP. Dari segi manfaat, informan mengaku lebih
mudah mengatur anggaran dan memantau pengeluaran karena adanya
histori transaksi yang tercatat secara otomatis di aplikasi dan informan
menunjukkan kesadaran yang tinggi terhadap risiko penggunaan mobile
banking. Mereka menyebutkan ancaman seperti pembobolan akun,
penipuan online, phising, hingga link palsu yang mengatasnamakan
bank. Mahasiswa umumnya menunjukkan sikap yang bertanggung
jawab dalam menggunakan mobile banking. Mereka aktif menjaga keamanan akun dengan cara logout setelah transaksi, mengaktifkan
notifikasi, rutin mengganti password, hingga tidak meminjamkan HP
kepada orang lain saat aplikasi terbuka.

Kata Kunci: Literasi Keuangan, Mobile Banking


ABSTRACT

Muzayin Yunus, NIM 2021050102007, "Understanding Financial
Literacy in the Use of Mobile Banking among Students of IAIN
Kendari." Supervised by Dr. K. H. Muhammad Hadi, M.HI and Dr.
Munadi Idris, S.H.I., M.E, Islamic Banking Study Program, 2025.

Financial literacy plays an important role in the use of mobile banking
among students, as their ability to manage personal finances and
conduct transactions digitally is significantly influenced by their
financial knowledge and skills. This study aims to develop a clearer
understanding of several aspects: (1) to describe the understanding of
financial literacy in the use of mobile banking among IAIN Kendari
students, and (2) to describe the students' understanding of mobile
banking. The research method used is field research, with a qualitative
descriptive approach to address the study. The results show that the
Financial literacy understanding plays a crucial role in the use of mobile
banking among university students, considering that their ability to manage
personal finances and conduct digital transactions is significantly influenced
by their financial knowledge and skills. This study aims to develop a clearer
understanding of two main aspects: (1) To describe students' financial
literacy comprehension in the use of mobile banking at IAIN Kendari, and (2)
To describe IAIN Kendari students‟ understanding of mobile banking itself.
This research employs a field research approach, using a descriptive
qualitative method to carry out the study. The results indicate that students
of IAIN Kendari from the 2021 cohort generally demonstrate a good,
and in some cases excellent, understanding of financial literacy. This
includes knowledge of common features such as inter-account
transfers, balance inquiries, bill payments, e-wallet top-ups, and mobile
credit purchases. Students‟ understanding of security in using mobile
banking is relatively good. Informants are aware of the importance of
protecting personal data such as PINs, passwords, and OTPs. In terms
of benefits, informants reported that mobile banking makes it easier for
them to manage budgets and monitor expenses thanks to the
automatically recorded transaction history in the application.
Moreover, they exhibit a high level of awareness regarding the risks
associated with mobile banking, mentioning threats such as account breaches, online fraud, phishing, and fake bank-related links.
Generally, students demonstrate a responsible attitude in using mobile
banking. They actively safeguard their accounts by logging out after
transactions, enabling notifications, regularly changing passwords,
and avoiding lending their phones to others when the application is
open.

Keywords: Financial Literacy, Mobile Banking

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Literasi Keuangan, Mobile Banking
Subjects:	300 Ilmu Sosial > 332 Ekonomi Keuangan > 332.024 Keuangan Pribadi 300 Ilmu Sosial > 332 Ekonomi Keuangan > 332.041 Modal, Permodalan > 332.17 Layanan Bank
Divisions:	Fakultas Ekonomi dan Bisnis Islam > Prodi Perbankan Syariah
Depositing User:	Unnamed user with email [email protected]
Date Deposited:	13 May 2026 07:19
Last Modified:	13 May 2026 07:19
URI:	http://digitallib.iainkendari.ac.id/id/eprint/4556

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