Faktor yang Memengaruhi Literasi Keuangan Syariah pada Siswa Sekolah Menengah atas dengan Pendidikan sebagai Variabel Moderasi (Studi Kasus pada Siswa SMAIT Nurul Ilmi Jambi)
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Penelitian ini menganalisis faktor-faktor yang memengaruhi literasi keuangan syariah pada siswa SMAIT Nurul Ilmi Jambi dengan pendidikan sebagai variabel moderasi. Variabel independen meliputi sikap dan perilaku, perkembangan teknologi, lingkungan sosial, dan religiusitas. Metode penelitian menggunakan pendekatan kuantitatif dengan Structural Equation Modeling-Partial Least Squares (SEM-PLS) terhadap 96 responden siswa bidang sosial humaniora. Hasil penelitian menunjukkan bahwa sikap dan perilaku (? = 0,327; p = 0,006), lingkungan sosial (? = 0,196; p = 0,040), dan religiusitas (? = 0,239; p = 0,022) berpengaruh positif dan signifikan terhadap literasi keuangan syariah, sedangkan perkembangan teknologi tidak berpengaruh signifikan. Pendidikan hanya mampu memoderasi hubungan religiusitas terhadap literasi keuangan syariah (? = 0,240; p = 0,029). Model penelitian menjelaskan 61,4% variasi literasi keuangan syariah (R² = 0,614). Temuan ini mengimplikasikan bahwa peningkatan literasi keuangan syariah pada siswa memerlukan integrasi nilai religiusitas dalam pendidikan formal. Kebaruan penelitian ini terletak pada penempatan pendidikan sebagai variabel moderasi, yang masih terbatas dikaji dalam konteks literasi keuangan syariah pada siswa sekolah menengah atas.
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