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All Journal Jurnal Al-Qardh Al-Qalam Revenue: Jurnal Manajemen Bisnis Islam Finansha: Journal of Sharia Financial Management Ekonomi Islam Indonesia Muslim Business and Economic Review Review on Islamic Accounting Likuid: Jurnal Ekonomi Industri Halal Islamic Economics Methodology Journal of Accounting Inquiry
Berakon, Izra
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences

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What Drives Students’ Intention to Use Islamic Banking Services? Evidence From a SEM-PLS Analysis Ridwan Alamsyah; Alya Azhana Maulidha; Muhamad Tanzi Maulana; Berakon, Izra
Likuid Jurnal Ekonomi Industri Halal Vol. 6 No. 1 (2026): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

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Abstract

The development of Islamic banking in Indonesia continues to grow however, the level of adoption among university students remains relatively limited. This phenomenon is particularly evident among students of the Faculty of Islamic Economics and Business (FEBI), who formally study Islamic economics and finance but do not necessarily use Islamic banking services in their daily financial activities. Understanding the factors that drive students’ intention to use Islamic banking services is therefore essential to support the expansion of the Islamic banking industry. This study aims to analyze the determinants influencing the intention of FEBI students to use Islamic banking services. A quantitative approach was employed using Partial Least Squares–Structural Equation Modelling (PLS-SEM), with data collected from FEBI students through a structured questionnaire. The results indicate that perceived ease of use has a significant effect on students’ intention to use Islamic banking services, while perceived usefulness, trust, social influence, and switching cost do not show significant effects. These findings suggest that ease of use plays a crucial role in encouraging FEBI students to adopt Islamic banking services. The study provides practical implications for Islamic banks to prioritize the development of user-friendly and accessible services to attract young consumers, particularly those with an academic background in Islamic economics and finance.
Co-Authors Addini, Sabila Nur Adi Pradana, Mahatva Yoga Alya Azhana Maulidha Andani, Listia Anjaswati, Nur Deny Hidayat Hasan, Nadya Atiqoh Irsad, Agus Muhammad Kamal, Safwan Kharista, Salwa Dina Lu'liyatul Mutmainah Muhamad Tanzi Maulana Muhammad, Nor Nabilla Pertiwi, Ruspita Rani Pradana, Mahatva Yoga Adi Ridwan Alamsyah Septiani, Alfian Nisa Siti Nur Azizah, Siti Nur Zaymin, Haidarullah