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All Journal EL-MUHASABA El Dinar Jurnal Akuntansi Bisnis Benefit: Jurnal Manajemen dan Bisnis JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS Jurnal E-Bis: Ekonomi Bisnis Jurnal Widyaiswara Indonesia Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Dharma Pendidikan JAS (Jurnal Akuntansi Syariah)
Wuryaningsih Wuryaningsih
Pusat Penelitian Kimia –LIPI, Kawasan PUSPIPTEK-Serpong
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Nursing Public Health Social Sciences Other

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Journal : El Dinar

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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 Malik Karim Amrullah Anak Agung Istri Sri Wiadnyani Hidayah, Yuniarti Maharani, Nandita Novi Lailiyul Wafiroh Novianti, Khusnul Rofida Rini Safitri Risya Khaerun Nisa Risya Khaerun Nisa Rohim, Muhammat Hanafi Fathur Sa'diyah, Siti Khalimatus Suci, Damantika Purnama Tsaniah, Firza Sri Churniyatuts Wafi, Muhammad Ismail Hibatul