Sharia Knowledge, Service Quality, and Students’ Interest in Islamic Banking
Keywords:
Sharia Finance Knowledge, Service Quality, Student Interest, Islamic Banking, Bank Syariah IndonesiaAbstract
This study aims to examine the influence of Sharia Finance Knowledge and Service Quality on students’ interest in Islamic banking, with Bank Syariah Indonesia (BSI) as the research object. A quantitative approach was employed, and data were collected from 200 students in the Jabodetabek area through an online questionnaire. Sharia Finance Knowledge was measured through four indicators: students’ understanding of the differences between Islamic and conventional banks, the principles of Islamic banking, Islamic banking products, and the advantages of Islamic banking. Service Quality was assessed using five dimensions: tangibles, reliability, responsiveness, assurance, and empathy. The data were analyzed using SmartPLS 4.1. The results show that Sharia Finance Knowledge does not have a significant effect on students’ interest in using Islamic banking services, while Service Quality has a positive and significant effect. These findings imply that improving service quality, through better digital facilities, reliable transactions, responsive service, and caring attitudes, plays a vital role in maintaining and expanding customer loyalty. At the same time, enhancing Sharia financial literacy remains essential to reach potential users and strengthen their understanding of Islamic financial values. Therefore, combining excellent service performance with continuous literacy programs can effectively promote broader engagement and trust in Islamic banking among young consumers.
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