ANALYSIS OF THE INFLUENCE OF EDUCATION AND PRACTICUM EXPERIENCE ON ECONOMICS STUDENTS’ READINESS TO USE SHARIA BANKING PRODUCTS
Abstract
The Islamic finance industry in Indonesia has shown significant growth; however, literacy and inclusion of Islamic finance among young generations, particularly university students, remain relatively low. This study aims to analyze the influence of education and practicum experience on economics students’ readiness to use Sharia banking products. The research sample consisted of 70 Economics students from UIN Malang. A quantitative approach was employed, combining surveys and practicum experience studies. The results indicate that education plays a crucial role in establishing foundational understanding, while practicum experience enhances students’ readiness and interest in using Sharia banking products through direct interaction and hands-on experience. These findings underscore the necessity of integrating digital-based education with practical experience as a strategy to improve literacy, exposure, and adoption of Sharia banking products among young generations. The practical implications of this study include the development of literacy programs and practice-based learning initiatives to sustainably strengthen Islamic financial inclusion.
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Tamjis, A., Jali, N., & Jamaludin, A. (2024). Factors Influencing Decisions of University Students to Use Islamic Banking Products and Services in Malaysia. Theory and Practice, 2024(7), 868–881. https://doi.org/10.53555/kuey.v30i7.6868
Unisma.ac.id. (2020). Partisipasi Masyarakat melalui Komunikasi, Informasi, dan Edukasi. Unisma.Ac.Id.
Wiryawan, M. B. (2011). User Experience (Ux) sebagai Bagian dari Pemikiran Desain dalam Pendidikan Tinggi Desain Komunikasi Visual. Humaniora, 2(2), 1158. https://doi.org/10.21512/humaniora.v2i2.3166
Albaity, M., & Rahman, M. (2019). The intention to use Islamic banking: an exploratory study to measure Islamic financial literacy. International Journal of Emerging Markets, 14(5), 988–1012. https://doi.org/10.1108/IJOEM-05-2018-0218
Andrianto, & Firmansyah, M. A. (2019). Manajemen Bank Syariah ( Implementasi Teori dan Praktek ). CV. Penerbit Qiara Media, 536.
Ayo, A. M., Radiamoda, A. M., & Manalundong, S. Q. (2023). A Study to Explore the Perception and Awareness on Islamic Banking Among College Students in the Province of Lanao Del Sur ,. Indonesian Journal of Banking and Financial Technology (FINTECH), 1(3), 269–274.
Ayu Lestari, Lemiyana, & M. Junestrada Diem. (2024). Pengaruh Word Of Mouth Dan Customer Experience Terhadap Kepuasan Mahasiswa Menggunakan Bsb Syariah Pembayaran UKT Mahasiswa UIN Raden Fatah Palembang. Journal of Business Economics and Management | E-ISSN : 3063-8968, 1(2), 43–51. https://doi.org/10.62379/jbem.v1i2.42
Ayyub, S., Xuhui, W., Asif, M., & Ayyub, R. M. (2020). Determinants of intention to use Islamic banking: A comparative analysis of users and non-users of Islamic banking: evidence from Pakistan. International Journal of Islamic and Middle Eastern Finance and Management, 13(1), 147–163. https://doi.org/10.1108/IMEFM-05-2017-0135
Ermawati, E., & Nurlaila, T. (2025). Pengaruh Pengetahuan dan Keunggulan Produk Terhadap Minat Menggunakan Tabungan Wadiah di Bank Syariah Indonesia ( Studi Kasus Pada Mahasiswa FEBI UINSU Angkatan 2021 ). 691–702.
Fitria, D. S. (2024). Reksadana Syariah : Alternatif Investasi halal Bagi Generasi Millenial. Jurnal Ekonomi Syariah, 5(1), 15.
Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services. Journal of Management Information Sys Tems, 35(1)(220–265).
Harahap, H. H., Ainy, C., Silalahi, P., & Siregar, F. H. (2025). PERKEMBANGAN BISNIS PERBANKAN SYARIAH Perbedaan l sistem l perbankan l syariah l dan l konvensional l terletak l pada l distribusi l resiko l usaha . l Pada l sistem l bunga , l balas l jasa l modal l ditentukan l berdasarkan l persentase l tertentu l dan. 12–22.
Ilyana, S., Purna, F. P., & Friantoro, D. (2022). Islamic Financial Literacy and Its Effects on Intention to Use Islamic Bank. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 4(2), 97–110. https://doi.org/10.12928/ijiefb.v4i2.2622
Indriani, P. (2024). Peran Mahasiswa Program Studi Perbankan Syariah Uin Syahada Padangsidimpuan Dalam Mensosialisasikan Bank Syariah Kepada Masyarakat.
Janah, F. F., & Raharja, M. C. (2023). The Effect of Religiosity, Literacy and Perception Levels on Students Interest in Saving in Islamic Banking. Indonesian Journal of Islamic Business and Economics, 05(01), 15–26. https://doi.org/10.32424/1.ijibe.2023.5.1.8738
Jusoh, W. N. H. W., Kaukab, M. E., Sulaiman, N. H., & Rani, M. A. H. C. (2023). Empowering Muslims: The Critical Need for Islamic Financial Literacy. International Journal Of Research And Innovation In Social Science (IJRISS), VII(2454), 1175–1189. https://doi.org/10.47772/IJRISS
Khaer, A., Humairo, A., Rozanah, I., & Sholihah, I. M. (2021). PKM Promoting Virtual Da ’ wah for Prosperity of the Mosque-based Youth Activities. Journal of Community Engagement, 2(3), 974–980. https://doi.org/10.33650/guyub.v2i3.3088
Kinanti, N., Afiif, M. F., Kadir, F. S., Ekonomi, F., & Makassar, U. I. N. A. (2025). Edukasi Perbankan Syariah : Upaya Meningkatkan Literasi Masyarakat Di Sulawesi Selatan. Bertuah: Journal of Shariah and Islamic Economics, 6(1), 8–17.
Mardani, D. A., Abduh, M., Fachrurrazy, M., & Wibisono, R. M. (2023). Analisis Perbandingan Minat Warga Perum Brp Dalam Memilih Rekening Bank Syariah Dan Bank Konvensional. Al-Amwal: Journal of Islamic Economic Law. https://doi.org/10.24256/alw.v8i1.3683
Mochtar, H., Probondani Astuti, N., & Halim, F. (2025). Peningkatan Literasi Perbankan Syariah di Kampus Sebagai Upaya Mendorong Pemahaman Keuangan Islami. LOSARI: Jurnal Pengabdian Kepada Masyarakat, 6(2), 312–317. https://doi.org/10.53860/losari.v6i2.413
Ningrum, L. F., Diana, N., Alrasyid, H., & Afifudin. (2025). Exploring Gen Z’s Interest In Islamic Banking Products: The Role Of Islamic Financial Literacy As A Mediator. SHS Web of Conferences, 217, 01003. https://doi.org/10.1051/shsconf/202521701003
Nita Dewi Cahyani, T., Made Ardwi Pradnyana, I., & Sugihartini, N. (2020). Pengukuran Tingkat Kesiapan Pengguna Sistem Informasi Data Pokok Pendidikan Dasar Menggunakan Metode Technology Readiness Index (Tri) (Studi Kasus : Sekolah Dasar Kecamatan Sukasada). KARMAPATI (Kumpulan Artikel Mahasiswa Pendidikan Teknik Informatika), 9(2), 88–95.
Noonari, S., Mangi, J. A., Pathan, M., Khajjak, A. K., Memon, Z., Jamali, R. H., & Pathan, A. (2015). Knowledge and Perception of Students Regarding Islamic Banking : A Case Study of Hyderabad Sindh Pakistan Net External Liabilities and Economic Growth : A Case Study of. Information and Knowledge Management, 5(SEPTEMBER), 86–100. https://doi.org/10.13140/RG.2.1.3030.4485
Nugroho, A. P., Asfahani, A., Sugiarto, F., HS, S., Setiono, A., & Sain, Z. H. (2023). Community Assistance in Utilizing Sharia-Based Digital Banking. Amalee: Indonesian Journal of Community Research and Engagement, 4(2), 519–530. https://doi.org/10.37680/amalee.v4i2.2948
Nurbaiti, Supaino, & Fadhilah, D. (2021). Pengaruh Pengetahuan Terhadap Minat Menabung Masyarakat Pesantren Di Bank Syariah. Jurnal Bilal (Bisnis Ekonomi Halal), 1(2), 31–37.
OJK. (2024). Siaran Pers Bersama; Ojk Dan Bps Umumkan Hasil Survei Nasional Literasi Dan Inklusi Keuangan Tahun 2024. Ojk.Go.Id.
Rahman, M., & Sciara, G. C. (2022). Travel attitudes, the built environment and travel behavior relationships: Causal insights from social psychology theories. Transport Policy, 123(October 2020), 44–54. https://doi.org/10.1016/j.tranpol.2022.04.012
Ronaldo, R., Maulini, Y., Ekonomi, S. T., Bisnis, D., & Lampung, I. (2025). Edukasi Ekonomi Syariah bagi Generasi Muda: Membangun Kesadaran Finansial Islami sejak Dini di Sekolah Menengah. Jurnal Abdi Dosen Dan Mahasiswa, 3(1), 57–70.
Rose, N., & Wicaksono, M. A. (2025). Perkembangan Total Aset Keuangan Syariah: Momentum Awal Tahun 2025. Kneks.Go.Id.
Rurkinantia, A. (2021). Peranan Literasi Keuangan Syariah Terhadap Pengelolaan Keuangan Mahasiswa. Journal of Islamic Studies and Humanities, 6(2), 89–96. https://doi.org/10.21580/jish.v6i2.9023
Santoso, S. B., & Astuti, H. J. (2019). A framework for conceptualizing islamic bank socialization in Indonesia. Journal of Critical Reviews, 6(4), 43–47. https://doi.org/10.22159/jcr.06.04.08
Siddika, A., Sarwar, A., & Khan, F. (2023). Perceptions of Islamic Banking among Post Millennials: A Study on Muslim Students. International Journal of Management, Finance and Accounting, 4(2), 19–42. https://doi.org/10.33093/ijomfa.2023.4.2.2
Siregar, N. S., Nasution, J., & Inayah, N. (2025). Analysis of Factors Affecting Islamic Financial Literacy among Students ( Case Study of Islamic Banking Students of UIN North Sumatra ). 10(1), 1–18.
Sudirman, I. F., Agama, S., & Idrisiyyah, I. (2025). Literasi keuangan syariah dan transformasi digital : Analisis Perilaku Gen Z dalam pengunaan fintech. April. https://doi.org/10.53088/jadfi.v5i1.1870
Sugiyono. (2019). metode Penelitian Kuantitatif Kualitatif dan R&D (Sutopo (ed.); kedua). Anggota Ikatan Penerbit Indonesia (IKAPI).
Supriyanto, A. S., & Ekowati, V. M. (2013). Metodologi penelitian Manajemen Sumber Daya Manusia. UIN Maliki Press.
Tamjis, A., Jali, N., & Jamaludin, A. (2024). Factors Influencing Decisions of University Students to Use Islamic Banking Products and Services in Malaysia. Theory and Practice, 2024(7), 868–881. https://doi.org/10.53555/kuey.v30i7.6868
Unisma.ac.id. (2020). Partisipasi Masyarakat melalui Komunikasi, Informasi, dan Edukasi. Unisma.Ac.Id.
Wiryawan, M. B. (2011). User Experience (Ux) sebagai Bagian dari Pemikiran Desain dalam Pendidikan Tinggi Desain Komunikasi Visual. Humaniora, 2(2), 1158. https://doi.org/10.21512/humaniora.v2i2.3166
Published
2025-10-15
How to Cite
HASIBUAN, Lempang et al.
ANALYSIS OF THE INFLUENCE OF EDUCATION AND PRACTICUM EXPERIENCE ON ECONOMICS STUDENTS’ READINESS TO USE SHARIA BANKING PRODUCTS.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 11, n. 1, p. 461-474, oct. 2025.
ISSN 2541-3333.
Available at: <https://conferences.uin-malang.ac.id/index.php/iconies/article/view/3363>. Date accessed: 15 may 2026.
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Articles
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