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All Journal Journal of Sharia Economics
Jocelyn Lim
Universitas Internasional Batam
Economics, Econometrics & Finance

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UNDERSTANDING ISLAMIC FINANCIAL PRODUCT HOLDINGS: THE ROLES OF LITERACY, MOTIVES AND ATTITUDES Dewi Khornida Marheni; Jocelyn Lim; Johny Budiman
Journal of Sharia Economics Vol. 7 No. 2 (2026): Islamic Economics
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v7i2.10594

Abstract

This study aims to investigate the impact of IFL, RLG, ETC, and ECM on holdings of IFP through attitude as a mediating variable. This study is a quantitative survey which data was collected from 379 Islamic financial product users in Batam, selected by convenience sampling using the formula n x 10. Data was analysed using PLS-SEM. The results shows that IFL, RLG, ETC, and ECM have a significant positive effect on holdings of IFP. ATT mediate the relationship between IFL, RLG, ETC and holdings of IFP. Considering the results, shows that emphasizing the importance of improving financial understanding and strengthening ethical, religious and economic considerations.
Co-Authors Johny Budiman Marheni, Dewi Khornida