The Influence of Sharia Financial Literacy on Islamic Bank Consumers’ Preference
Keywords:
Sharia financial literacy, awareness, attitudes, savings decisions, SEMAbstract
This research aims to determine the level of sharia financial literacy, awareness and attitudes of the community regarding their interest or decision to save at Sharia Banks. The data source for this research is the general public in Palopo City. The data analysis method used in this research is a quantitative method which is measured using Structural Equation Modeling (SEM). The statistical software programs used in analyzing the data were AMS 22 and SPSS 22. The awareness and attitudes have a significant influence on the decision to save in Islamic banks, but Islamic financial literacy does not have a significant influence on the decision to save in Islamic banks. Theoretically this research contributes to the literature review which has a correlation with sharia financial literacy, awareness and attitudes towards people's decisions to save in sharia banks. In practice, this research can help various parties, especially educators, from school to university and various related companies.
References
Akbar, MA, & Wahab, A. (2021). The influence of sharia financial literacy and Muslim entrepreneurial behavior on small business performance (study of culinary businesses in Makassar City). Asy-Syarikah Journal: Journal of Islamic Financial, Economic and Business Institutions, 3 (1), 25-39.
Andespa, R., Wisanggara, R., Rasyad, FHS, & ADIF, RM (2019). The Influence of People, Process, and Physical Evidence on Saving Decisions in Sharia Banks. Maqdis: Journal of Islamic Economic Studies, 4 (1), 57-67.
Ariyani, D. (2018). Financial literacy education for early childhood at the Khalifah Kindergarten in Purwokerto. Yinyang: Journal of Islamic Gender and Child Studies, 13 (2), 175-190.
Faizah, N., & Sa'diyah, M. (2022). The Influence of Sharia Financial Literacy, Service Quality and Level of Trust on Student Interest in Saving at Sharia Banks. In UMMagelang Conference Series (pp. 253-266).
Hatmawan, AA, & Widiasmara, A. (2017). Factors that influence customers' intention to save in sharia banking with religion as a control variable. Assets: Journal of Accounting and Education, 5 (2), 101-112.
Sharia Finance and Banking. Equilibrium: Journal of Islamic Economics, 7 (1), 40–63. https://doi.org/10.21043/equilibrium.v7i1.4258
Khairani, F., & Alfarisi, MF (2019). Analysis of the influence of financial attitude, financial knowledge, parental education and parental income on financial management behavior in undergraduate students at Andalas Padang University. Scientific Journal of Management Economics Students, 4 (1), 172-183.
Maretha, E.V., Latifah, F.N., & Masruchin, M. (2022). Analysis of Factors That Influence Sidoarjo Students' Lack of Interest in Becoming Sharia Bank Customers. Scientific Journal of Islamic Economics, 8 (1), 205-212.
Marpaung, O. (2021). The influence of knowledge of using fintech (Ovo and Gopay) on financial literacy. Jayakarta Journal of Accounting and Taxation, 2 (2), 77-85.
Mien, NTN and Thao, TP, 2015. Factors influencing personal financial management behaviors: evidence from Vietnam. In Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference), ISBN:978-1-63415-833-6 (10-12/07/2015).
Mulyaningtyas, IF, Soesatyo, Y., & Sakti, NC (2020). The Influence of Knowledge about Sharia Banks and Financial Literacy on Students' Interest in Saving in Sharia Banks in Class Xi Ips Man 2, Malang City. Journal of Educational Economics and Entrepreneurship, 8 (1), 53-66.
Nasution, AW (2019). Factor Analysis of Students' Sharia Financial Literacy Awareness
Ningsih, IB, & Kurniawati, D. (2021). The influence of advertising creativity on television on online purchasing decisions on the Shopee application. Network Media, 4(1), 11-16.
Nurrohmah, RF, & Purbayati, R. (2020). The influence of the level of sharia financial literacy and public trust on interest in saving in sharia banks. Maps Journal (Sharia Banking Management), 3 (2), 140-153.
Pusporini, P. (2020). The influence of the level of financial literacy on financial management among MSMEs in Cinere District, Depok. Journal of Applied Management Science, 2 (1), 58-69.
Sinta Wulandari, SINTA (2022). the influence of public attitudes and perceptions on interest in taking out financing at Palopo City sharia banks (Doct oral dissertation, State Islamic Institute (IAIN Palopo)).
Sugiyono. (2016). Quantitative, Qualitative and R&D Research Methods
Sutrisno, E. (2019). Actualization of religious moderation in educational institutions. Journal of Islamic Guidance, 12 (2), 323-348.
Wardhani, SL, & Kusuma, MW (2021). The Influence of Personal Attitude and E-learning on Interest in Entrepreneurship in the Covid-19 Pandemic Era. Maximreneur Journal: Management, Cooperatives and Entrepreneurship, 11 (1), 90-104.
Wiratama, AF, & Chollisni, A. (2023). Analysis of the influence of literacy, awareness and trust on the Muslim community's interest in becoming sharia bank customers. ISLAMINOMICS: Journal of Islamic Economics, business and finance, 13 (2).
Andespa, R., Wisanggara, R., Rasyad, FHS, & ADIF, RM (2019). The Influence of People, Process, and Physical Evidence on Saving Decisions in Sharia Banks. Maqdis: Journal of Islamic Economic Studies, 4 (1), 57-67.
Ariyani, D. (2018). Financial literacy education for early childhood at the Khalifah Kindergarten in Purwokerto. Yinyang: Journal of Islamic Gender and Child Studies, 13 (2), 175-190.
Faizah, N., & Sa'diyah, M. (2022). The Influence of Sharia Financial Literacy, Service Quality and Level of Trust on Student Interest in Saving at Sharia Banks. In UMMagelang Conference Series (pp. 253-266).
Hatmawan, AA, & Widiasmara, A. (2017). Factors that influence customers' intention to save in sharia banking with religion as a control variable. Assets: Journal of Accounting and Education, 5 (2), 101-112.
Sharia Finance and Banking. Equilibrium: Journal of Islamic Economics, 7 (1), 40–63. https://doi.org/10.21043/equilibrium.v7i1.4258
Khairani, F., & Alfarisi, MF (2019). Analysis of the influence of financial attitude, financial knowledge, parental education and parental income on financial management behavior in undergraduate students at Andalas Padang University. Scientific Journal of Management Economics Students, 4 (1), 172-183.
Maretha, E.V., Latifah, F.N., & Masruchin, M. (2022). Analysis of Factors That Influence Sidoarjo Students' Lack of Interest in Becoming Sharia Bank Customers. Scientific Journal of Islamic Economics, 8 (1), 205-212.
Marpaung, O. (2021). The influence of knowledge of using fintech (Ovo and Gopay) on financial literacy. Jayakarta Journal of Accounting and Taxation, 2 (2), 77-85.
Mien, NTN and Thao, TP, 2015. Factors influencing personal financial management behaviors: evidence from Vietnam. In Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference), ISBN:978-1-63415-833-6 (10-12/07/2015).
Mulyaningtyas, IF, Soesatyo, Y., & Sakti, NC (2020). The Influence of Knowledge about Sharia Banks and Financial Literacy on Students' Interest in Saving in Sharia Banks in Class Xi Ips Man 2, Malang City. Journal of Educational Economics and Entrepreneurship, 8 (1), 53-66.
Nasution, AW (2019). Factor Analysis of Students' Sharia Financial Literacy Awareness
Ningsih, IB, & Kurniawati, D. (2021). The influence of advertising creativity on television on online purchasing decisions on the Shopee application. Network Media, 4(1), 11-16.
Nurrohmah, RF, & Purbayati, R. (2020). The influence of the level of sharia financial literacy and public trust on interest in saving in sharia banks. Maps Journal (Sharia Banking Management), 3 (2), 140-153.
Pusporini, P. (2020). The influence of the level of financial literacy on financial management among MSMEs in Cinere District, Depok. Journal of Applied Management Science, 2 (1), 58-69.
Sinta Wulandari, SINTA (2022). the influence of public attitudes and perceptions on interest in taking out financing at Palopo City sharia banks (Doct oral dissertation, State Islamic Institute (IAIN Palopo)).
Sugiyono. (2016). Quantitative, Qualitative and R&D Research Methods
Sutrisno, E. (2019). Actualization of religious moderation in educational institutions. Journal of Islamic Guidance, 12 (2), 323-348.
Wardhani, SL, & Kusuma, MW (2021). The Influence of Personal Attitude and E-learning on Interest in Entrepreneurship in the Covid-19 Pandemic Era. Maximreneur Journal: Management, Cooperatives and Entrepreneurship, 11 (1), 90-104.
Wiratama, AF, & Chollisni, A. (2023). Analysis of the influence of literacy, awareness and trust on the Muslim community's interest in becoming sharia bank customers. ISLAMINOMICS: Journal of Islamic Economics, business and finance, 13 (2).
Downloads
Published
2024-11-16
How to Cite
Mulyawati, Y., Rahmawati, & Junaidi. (2024). The Influence of Sharia Financial Literacy on Islamic Bank Consumers’ Preference. International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM), 2(1), 334–345. Retrieved from https://journal.unj.ac.id/unj/index.php/isc-beam/article/view/46633
