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All Journal ETIKONOMI Jurnal Keuangan dan Perbankan JASF (Journal of Accounting and Strategic Finance) Jurnal Akuntansi International Journal Of Science, Technology & Management (IJSTM) International Journal of Educational Research and Social Sciences (IJERSC) Annals of Human Resource Management Research KEYNESIA : INTERNATIONAL JOURNAL OF ECONOMY AND BUSINESS Jurnal Ilmiah Ilmu Terapan Universitas Jambi Moneter : Jurnal Keuangan dan Perbankan International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Journal of Multidisciplinary Academic and Practice Studies International Journal of Accounting and Management Information Systems
Abdul Mukti Soma
Universitas Telkom Bandung, Indonesia
Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Transportation Other

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FACTORS DETERMINING THE DECISION TO USE SHARIA FINANCIAL PRODUCTS IN THE DIGITAL ERA Febriyanthi, Hesty; Wati, Lela Nurlaela; Soma, Abdul Mukti
Jurnal Ilmiah Ilmu Terapan Universitas Jambi Vol. 10 No. 3 (2026): Volume 10, Nomor 3, June 2026
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jiituj.v10i3.54795

Abstract

This study examines the impact of Islamic financial literacy, sharia compliance, returns, customer risk profiles, digitalization and social factors, and religiosity on the decision to use Islamic financial products in Islamic banking. This study employed a quantitative methodology, including a sample of 302 productive-age respondents with bank accounts in DKI Jakarta. Data analysis was conducted using multiple regression with SmartPLS. The results show that Islamic financial literacy, customer risk profiles, digitalization and social factors, and religiosity have a positive influence on the decision to use Islamic financial products. Conversely, sharia compliance and returns do not have a significant effect. These findings theoretically enhance the literature on consumer behavior and Islamic finance by illustrating that value-based elements, especially religiosity, exert a more significant influence than economic concerns in the decision to utilize Islamic financial products. The research findings suggest that Islamic banking, regulators, educational institutions, and religious organizations should collaborate to enhance Islamic financial literacy programs, expedite the transition to digital services, and formulate marketing strategies that highlight Islamic values and religiosity to promote the adoption of Islamic financial products. This study develops a model that includes financial, behavioral, technological, and religiosity characteristics to elucidate the decision to utilize Islamic financial products, contrasting with previous research that predominantly emphasized economic considerations. This study illustrates that religiosity exerts a more significant impact than financial returns and views of Islamic compliance, offering a novel viewpoint on value-driven decision-making within the Islamic banking sector.
Co-Authors Aziz, Azmal Br Siregar, Kristina Valentina Driana, Thasania Fitri Eko Sanjaya Nurhakim Erie Febrian Febriyanthi, Hesty Feryanto, Muslim Ina Primiana Irni Yunita Jimmy Julio Ratu Edo Kusbiantara, Elvara Hana Salsabila Mulyanti, Rita Yuni Palti Marulitua Sitorus Palti Marulitua Sitorus Ramdany, Ramdany refsi, Firdaus Sabilla, Anisa Moza Safitri, Annisa Sapta Rini, Anggarwati Sitepu, Victor Bastanta Sudarso K Wiryono Umi Widyastuti Wati, Lela Nurlaela Widodo, Iqbal