Defa Defana Defiansih, 7101416021 (2020) PENGARUH RELIGIUSITAS, PENDIDIKAN KELUARGA, DAN SOSIALISASI KEUANGAN TERHADAP LITERASI KEUANGAN SYARIAH DENGAN KECERDASAN INTELEKTUAL SEBAGAI VARIABEL MODERASI (Studi Kasus pada Mahasiswa Pendidikan Ekonomi se-Kota Semarang Angkatan 2016). Under Graduates thesis, Universitas Negeri Semarang.

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Abstract

Islamic finance literacy is a person's body of knowledge and skill reflected in his attitude and behavior in managing finance according to the teaching of Islam, thus being able to make good and correct financial decisions to achieve welfare in the world and in the next. An economic education student from Semarang in the year of 2016 should already have a sufficient literate on islamic financial literacy, which is not in reality the case. The study aims to determine the effect of religiosity, family education, and financial socialization on islamic financial literacy with intelligence quotient as a moderating variable. This kind of research is quantitative research. The population of this study is 418 students who study economics in Semarang. Sampling techniques are using a proportional stratified random sampling to the number of 204 students based on the slovin formula with an error rate 5%. Data collection methods use questionnaires. Data analysis techniques use descriptive and regression analysis with absolute discrepancy. Descriptive analysis shows that religiosity are in the highest category, family education is in good category, islamic financial literacy, financial socialization, and intelligence quotient are in the higher category. Hypothesis testing suggests that religiosity and financial socialization have a positive and significant impact on the islamic financial literacy, whereas family education does not affect the islamic financial literacy. Intelligence quotient strengthens the impact of financial socialization on islamic financial literacy, does not strengthens the religious impact on islamic financial literacy, and does not strengthens the impact of family education on islamic financial literacy. Based on the research, we can conclude that islamic finance literacy is influenced by religious and financial socialization. Intelligence quotient as a moderate variable only strengthens the impact of financial socialization on islamic financial literacy. Researchers suggest that students increase islamic studies or activities of islamic finance, read islamic financial literature, and use Islamic financial product to improve islamic financial literacy, especially indicators of islamic financial skills.

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