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All Journal Jurnal Ekonomi Syariah Pelita Bangsa
Ibrahim, Elvira Khairunnisa
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Religion Education

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Pengaruh Pemahaman Mahasiswa Tentang Hukum Riba Terhadap Keputusan Menjadi Nasabah di Bank Syariah Ibrahim, Elvira Khairunnisa; Muhammad Adnan Azzaki
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 10 No. 02 (2025): JESPB Edisi Oktober 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v10i02.2585

Abstract

This study aims to examine the influence of students' understanding of riba (usury) law on their tendency to become customers at Islamic banks. The urgency of this study stems from the need to understand how students' knowledge level regarding riba in Islamic law plays a role in their decision-making concerning Islamic financial institutions. This research employed a quantitative method with a survey approach. A total of 41 students from the Islamic Economics and Islamic Economic Law study programs at STAI Imam Asy Syafii Pekanbaru were selected as respondents using a purposive sampling technique due to the relevance of their studies to the topic of riba law. The data analysis techniques used included data quality tests, descriptive statistics, classical assumption tests, and hypothesis testing. The results show that students' understanding of riba law has a significant and positive influence on their decision to become customers at Islamic banks. This is evidenced by the t-test result, which showed a t-count value of 6.520 with a significance (Sig.) value of 0.000 < 0.05. This figure indicates the rejection of H0 and acceptance of H1, meaning there is a significant influence. Additionally, the average score for understanding riba law was 30.2927, indicating a fairly good level of understanding among the respondents.
Co-Authors Muhammad Adnan Azzaki