PENGARUH CYBER CRIME TERHADAP KEPERCAYAAN MAHASISWA UIN FAS BENGKULU DALAM MENGGUNAKAN PRODUK ELECTRONIC BANKING BANK SYARIAH INDONESIA

Abstract

Abstrak

Transformasi digital di sektor perbankan telah menghadirkan layanan electronic banking (e-banking) yang memudahkan nasabah bertransaksi secara daring. Namun, meningkatnya kasus cyber crime menimbulkan kekhawatiran mengenai keamanan data dan kepercayaan pengguna, termasuk mahasiswa sebagai pengguna aktif. Penelitian ini bertujuan menganalisis pengaruh cyber crime terhadap kepercayaan mahasiswa UIN Fatmawati Sukarno Bengkulu dalam menggunakan layanan e-banking Bank Syariah Indonesia (BSI). Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan asosiatif. Sampel penelitian berjumlah 46 mahasiswa Program Studi Perbankan Syariah angkatan 2022 yang dipilih dengan teknik sensus. Data primer diperoleh melalui kuesioner berskala Likert 1–5, sedangkan data sekunder diperoleh dari literatur terkait. Analisis data dilakukan menggunakan uji validitas, reliabilitas, uji asumsi klasik (normalitas, linieritas, heteroskedastisitas), regresi linier sederhana, uji t, dan koefisien determinasi (R²) dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa cyber crime berpengaruh negatif dan signifikan terhadap kepercayaan mahasiswa dengan nilai t hitung (-7,292) > t tabel (1,679) dan signifikansi 0,002 < 0,05. Selain itu, nilai Adjusted R² sebesar -0,730 menunjukkan bahwa 73% variasi kepercayaan dipengaruhi cyber crime. Temuan ini menegaskan bahwa meningkatnya ancaman cyber crime menurunkan kepercayaan mahasiswa terhadap keamanan layanan e-banking BSI.

Kata Kunci: cyber crime, kepercayaan mahasiswa, e-banking, BSI.

Abstract

Digital transformation in the banking sector has introduced electronic banking (e-banking) services that facilitate online transactions for customers. However, the rise in cybercrime cases raises concerns about data security and user trust, including students as active users. This study aims to analyze the influence of cybercrime on the trust of UIN Fatmawati Sukarno Bengkulu students in using Bank Syariah Indonesia (BSI) e-banking services. The research method used is quantitative with an associative approach. The research sample consisted of 46 students of the Islamic Banking Study Program, class of 2022, selected using a census technique. Primary data were obtained through a 1–5 Likert scale questionnaire, while secondary data were obtained from related literature. Data analysis was performed using validity tests, reliability tests, classical assumption tests (normality, linearity, heteroscedasticity), simple linear regression, t-tests, and coefficient of determination (R²) using SPSS. The results of the study indicate that cybercrime has a negative and significant effect on student trust with a calculated t value (-7.292) > t table (1.679) and a significance of 0.002 < 0.05. In addition, the Adjusted R² value of -0.730 indicates that 73% of the variation in trust is influenced by cybercrime. This finding confirms that the increasing threat of cybercrime reduces student trust in the security of BSI e-banking services.

Keywords: cyber crime, student trust, e-banking, BSI.