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All Journal Indonesian Journal of Islamic Economics and Finance
Faruk Faruk
Institut Al Fithrah Surabaya
Economics, Econometrics & Finance Social Sciences

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Examining the Influence of Islamic Financial Literacy and Social Environment on Students' Interest in Islamic Banking Products Ali Fahmi; Faruk Faruk
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i2.10175

Abstract

Behavioral intention to use Islamic banking products among vocational high school students is important for strengthening Islamic financial inclusion in Indonesia. However, the influence of Islamic financial literacy on behavioral intention remains inconsistent, while the role of the social environment among vocational students requires further examination. This study examines the effects of Islamic Financial Literacy and Social Environment on students' Behavioral Intention to use Islamic banking products. A quantitative approach was employed using saturated sampling involving all 51 students of the Islamic Banking Department at SMK Muhammadiyah 1 Surabaya. Data were collected through a structured questionnaire and analyzed using multiple linear regression. The results show that Islamic Financial Literacy has a positive but insignificant effect on Behavioral Intention (β = 0.155; p = 0.224). In contrast, Social Environment has a positive and significant effect (β = 0.777; p < 0.001). Simultaneously, both variables significantly influence Behavioral Intention, with the model explaining 67.4% of its variance (R² = 0.674). The findings indicate that improving behavioral intention requires not only financial literacy but also a supportive social environment involving educational institutions, families, and Islamic banking stakeholders.
Co-Authors Ali Fahmi