Peran Literasi Keuangan dalam Meningkatkan Keputusan Menabung pada Generasi Muda di Perbankan Syariah

Abstract

This study aims to analyze the role of financial literacy in improving saving decisions among young generations in Islamic banking. The background of this research is based on the low level of financial literacy among young people, which affects their low interest in saving, particularly in Islamic banking. This study uses a qualitative approach with a literature review method based on scientific journals, books, and official reports published within the last five years. The results show that financial literacy has a significant influence on saving decisions, where individuals with better financial understanding tend to manage their finances more effectively and have higher awareness to save. In addition, factors such as lifestyle, social environment, and digital technology development also influence saving behavior. In conclusion, improving financial literacy is an important factor in encouraging young generations to save in Islamic banking and to develop sustainable financial behavior.