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Nurlaila

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2 papers indexed here

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Open access Aug 2026

The Influence of Financial Literacy and Financial Anxiety on Access to Islamic Financing, Mediated by Risk Attitude

Access to Islamic financing remains a challenge for Sharia financial institutions, even as the industry and Sharia banks continue to grow. Although the majority of the Indonesian population is Muslim, this does not mean that everyone uses Sharia banks. Factors such as financial literacy, financial anxiety, and risk att...

Dewi Khornida Marheni, Nurlaila, Johny Budiman · 0 citations
Open access Sep 2026

Exploring Generation Z Perceptions Toward Digital Payment: Evidence from Indonesian University Students

Generation Z's perceptions of digital payment use among students at Universitas Islam Negeri Sumatera Utara (UINSU) Medan are analyzed to demonstrate that students' continued use is shaped not only by perceived ease and usefulness but also by their trust in security mechanisms and awareness of digital risks.

R. Lidia, Yusrizal, Nurlaila · 0 citations

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