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Mahatir Ahmad
Universitas Tanjungpura
Economics, Econometrics & Finance

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PENGARUH RELIGIUSITAS, LITERASI KEUANGAN SYARIAH, DAN AKSESIBILITAS TERHADAP PENGGUNAAN PRODUK KEUANGAN SYARIAH OLEH GENERASI MILENIAL DI KOTA PONTIANAK Mahatir Ahmad; Hayet Hayet; Faishol Luthfi; Eddy Suratman; Hesti Diah Ayuni
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 2 (2026): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v9n2.p101-118

Abstract

This study aims to analyze the influence of religiosity, Islamic financial literacy, and accessibility on the use of Islamic financial products by millennials in Pontianak. This study employs a quantitative approach, involving 100 millennials in Pontianak as respondents. A questionnaire was used as the data collection instrument, while respondents were selected using purposive sampling and analyzed using SEM-PLS with the assistance of SmartPLS 4.0. Based on the results, the study found that religiosity has a negative but insignificant effect on the use of Islamic financial products. Conversely, Islamic financial literacy and accessibility have positive and significant effects on the use of Islamic financial products. These findings suggest that the use of Islamic financial products among millennials is more influenced by their ability to understand the principles and mechanisms of these products, as well as the ease of accessing services, rather than by religiosity. Therefore, Islamic financial institutions need to prioritize strengthening financial literacy through education on the characteristics, contracts, benefits, and mechanisms of these products, as well as improving service accessibility—particularly through digital services and the provision of easily understandable information.
Co-Authors Eddy Suratman Faishol Luthfi Hayet Hayet Hesti Diah Ayuni