Pengaruh Literasi Keuangan Syariah Dan Sikap Mahasiswa Terhadap Keputusan Penggunaan Produk Perbankan Syariah

Abstract

This study aims to analyze the influence of Islamic financial literacy and students’ attitudes on the decision to use Islamic banking products among students of the Islamic Banking Study Program at UIN Sulthan Thaha Saifuddin Jambi. This study employed a quantitative approach using an associative research design. Primary data were collected through questionnaires distributed to 66 student respondents. The sampling technique used was stratified sampling, while the data were analyzed using multiple linear regression with SPSS. The analysis included validity and reliability tests, classical assumption tests, partial (t) tests, simultaneous (F) tests, and the coefficient of determination (R²). The results show that Islamic financial literacy has a positive and significant effect on the decision to use Islamic banking products, with a t-value of 3.321 and a significance level of 0.001. Meanwhile, students’ attitudes do not have a significant effect on the decision to use Islamic banking products, with a t-value of −0.353 and a significance level of 0.725. Simultaneously, Islamic financial literacy and students’ attitudes have a significant effect on the decision to use Islamic banking products, with an F-value of 5.615 and a significance level of 0.006. The coefficient of determination (R²) of 0.151 indicates that the two independent variables explain 15.1% of the variation in the decision to use Islamic banking products, while the remaining 84.9% is explained by other factors outside the research model.