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Journal : El Dinar

EXAMINING HOW ISLAMIC FINANCIAL LITERACY SHAPES PERCEPTIONS AND BEHAVIORAL INTENTIONS IN ISLAMIC BANKING SERVICES Safitri, Rini; Wuryaningsih, Wuryaningsih; Amrullah, Abdul Malik Karim; Novianti, Khusnul Rofida
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 13, No 2 (2025): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v13i2.32413

Abstract

This study aims to examine the influence of Islamic financial literacy, attitude, subjective norms, and perceived behavioral control on the intention to use Islamic banks in Indonesia. Specifically, this study investigates the indirect effect of Islamic financial literacy on the intention to use Islamic banks through attitude, subjective norms, and perceived behavioral control. Data were obtained through a survey of 572 students from Islamic Higher Education Institutions in Indonesia, processed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The findings reveal that Islamic financial literacy significantly influences attitudes, subjective norms, and perceived behavioral control regarding Islamic banking services. Subsequently, these factors (attitude, subjective norm, and perceived behavioral control) were proven to be strong predictors of an individual's intention to use Islamic banks. These findings validate the Theory of Planned Behavior (TPB) in Islamic banking, showing that Islamic financial literacy is a key factor influencing TPB constructs. The research highlights the importance of financial literacy education to increase the adoption of Islamic banking services. By promoting Islamic financial literacy within university programs, future graduates will have a deeper understanding of Islamic banking principles (such as prohibition of riba, risk-sharing, and asset-backed financing). This awareness will enhance their likelihood of choosing Islamic banking services and advocating them within society.
Co-Authors Abdul Bashith Abdul Halim Muhammad Abdul Muntaqim Al Anshory Achmadin, Balya Ziaulhaq Agus Maimun Ahmad Barizi Ahmad Izzuddin Ahmad Jalaludin Ahmad Kholil Ahmad Muhtadi Ridwan Ahmad Sholeh Ahmed Ramdhan Abugren Ahyar Fauzan Al Faruqi, Mhd Ibnu Hannan Anugrah, Audi Anwar, Mohammad Shohibul Arini Elhaq Asbarin Asbarin Audi Anugrah Audina, Noor Amalina Bekti Palupi Berliani, Denitia Boy Arief Fachri Diana Fachrurazi Elisah, Nor Esha, Muhammad In’am Fadzilah, Nurul fanani, zainuddin Fantika Febry Puspitasari Fauziyyah, Eva Ferolisa, Ardhea Fero Haq, Rosyida Rahmatul Harahap, Desi Hariyanti Helda Wika Amini Huda, Ahmad Nawirul Ida Ayu Putu Sri Widnyani Iffatun Najihah Indah Aminatuz Zuhriyah Intan Maulina Isa Ansori Istiqomah Rahmawati Jundatul Afidah Khalilah Ramadhani Khoirudin, Moch. Alfin Lola Hervina H M Arief Affandi Maghfiroh, Rodiatul Maryam Abdullah Kashidan Maulidi Maulidia Meta Fitri Rizkiana Mohammad Asrori Muh. Yunus Muhammad Amin Fathih Muhammad Furqon Almurni Muhammad In'am Esha Muhammad In’am Esha Muhammad Muntahibun Nafis, Muhammad Muntahibun Muhammad Umar Munir, Muhammad Syahrul Muslimin Muslimin Nida, Zahrotun Nidaul Jannah Nofa Isman Novianti, Khusnul Rofida Nur Fausiyah Fadillah NURIL MUFIDAH Nuril Mufidah Nuril Mufidah Nuril Mufidah Nuril Mufidah Putri Restina Dewi Qur'ani, Ainun Suci Rafidatikna, Afifah Ramadhani Lausi Mkumbachi Raqib Alamah Putra Rini Safitri Romadhon, Ahmad Saadatud Darain Saiful Amin Septia Solihati Silvia, Neng Siti Mufarokah Slamet . Sulaikho, Siti Syafi'i, Taqyuddin Ibnu Taqyuddin Ibnu Syafi’i CM Ummah, Khuntum Khaira Uril Baharuddin Uril Bahruddin, Uril Utami, Wiwit Nazilah Waluyo Satrio Adji Wuryaningsih Wuryaningsih Yeni Prihatin Miftahul Jannah Zainuddin Zainuddin Fanani Zenib Mohamed M AlFegeh Zuhri, Muchammad Syaifudin