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All Journal Community Empowerment JPS (Jurnal Perbankan Syariah)
Febriyani, Nurlatifa
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Arts Humanities Economics, Econometrics & Finance Education Public Health Social Sciences

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Sharia financial planning assistance to improve community welfare Novianto, Abdullah Syakur; Amin, Muh. Sirojuddin; Saputri, Laila Sandri; Cinta, Aura; Lestari, Via; Riski, Kumajaya Novi; Kamilah, Saosan; Ambarsari, Emmy; Fariani, Fariani; Lativa, Rachmah Nur; Artamefia, Rachel Amanda Vinka; Febriyani, Nurlatifa; Utami, Merly Violita
Community Empowerment Vol 10 No 9 (2025)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ce.14159

Abstract

Financial literacy remains a major challenge in Banjarejo Village, significantly impacting the way the community manages their finances. Residents’ understanding of formal financial services remains low. This situation encourages some residents to choose non-formal financial institutions, such as those that are easier to access but carry high interest rates. This community service activity was carried out at the Banjarejo Village Hall, Pakis District, Malang Regency, involving 30 members of the PKK (family welfare movement). The objective of this activity was to increase the community’s understanding of financial literacy and planning. The method used in this activity was direct outreach and counseling for the Banjarejo Village community. The series of community service activities included initial observation, outreach, counseling, and monitoring and evaluation processes. From this activity, the results obtained were that 75% of participants had sufficient understanding and 25% of participants had a high level of understanding of simple financial reporting so that it would affect the financial flow of families and businesses.
Determinants of Intention to Choose Islamic Banks: Trust, Reputation, Literacy, and Religiosity Febriyani, Nurlatifa; Alrasyid, Harun; Rizal, Mohammad
JPS (Jurnal Perbankan Syariah) Vol 7 No 1 (2026): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v7i1.2881

Abstract

Purpose: This research investigates how trust, institutional reputation, and Islamic financial literacy shape behavioral intentions to select Islamic banking services among the Sumenep community, while also examining the moderating role of religiosity. Method: The study adopts a quantitative explanatory design and applies Partial Least Squares–Structural Equation Modeling (PLS-SEM) for empirical analysis. Data were collected from 276 respondents selected through purposive sampling. Findings: The results demonstrate that trust, reputation, and Islamic financial literacy significantly affect individuals’ intentions to choose Islamic banks. In addition, religiosity functions as a moderating factor that diminishes the influence of reputation on behavioral intention. Implications: From a theoretical perspective, this study contributes to the extension of the Theory of Planned Behavior in the context of Islamic financial decision-making by positioning religiosity as a contextual influence rather than a direct moderator within the core TPB constructs. From a practical standpoint, the findings highlight the importance of building public trust, strengthening the credibility of Islamic banking institutions, and enhancing Islamic financial literacy to encourage greater adoption of Islamic banking services.
Co-Authors Abdullah Syakur Novianto Ambarsari, Emmy Amin, Muh. Sirojuddin Artamefia, Rachel Amanda Vinka Cinta, Aura Fariani, Fariani Harun Alrasyid Kamilah, Saosan Lativa, Rachmah Nur Lestari, Via Mohammad Rizal, Mohammad Riski, Kumajaya Novi Saputri, Laila Sandri Utami, Merly Violita