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All Journal JSE: Jurnal Sharia Economica
Tengku Imam Alwafi
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance

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PENGARUH LITERASI KEUANGAN SYARIAH DAN KEPERCAYAAN NASABAH TERHADAP KEPUTUSAN MENABUNG HAJI JANGKA PANJANG DI BANK SUMUT SYARIAH Tengku Imam Alwafi; Muhammad Irwan Padli Nasution; Andri Soemitra
JSE: Jurnal Sharia Economica Vol. 5 No. 3 (2026): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/tvasbz56

Abstract

This study examines the influence of Islamic financial literacy and customer trust on the decision to engage in long-term Hajj savings among customers of Bank Sumut Syariah. Using a quantitative, causal-associative approach, the research surveyed 100 active Hajj savings customers in Medan City, selected through the Slovin formula, via a five-point Likert-scale questionnaire. Data were analyzed using multiple linear regression in IBM SPSS Statistics version 25. The results show that Islamic financial literacy partially has a positive and significant effect on the Hajj savings decision (t = 2.881, sig. = 0.005 < 0.05). Customer trust likewise has a positive and significant effect (t = 3.555, sig. = 0.001 < 0.05). Simultaneously, both variables significantly influence the Hajj savings decision (F = 52.347, sig. = 0.000 < 0.05), with an R² of 0.519, indicating that Islamic financial literacy and customer trust jointly explain 51.9% of the variance in the decision, while the remaining 48.1% is attributable to factors outside the scope of this study. These findings suggest that enhancing Islamic financial literacy and strengthening customer trust are key drivers of long-term Hajj savings decisions. Accordingly, Bank Sumut Syariah is encouraged to improve its sharia financial literacy education programs and reinforce trust-building strategies to boost public interest and commitment to long-term Hajj savings.
Co-Authors Andri Soemitra Nasution, Muhammad Irwan Padli