Al-Iffah: Journal of Islamic Sciences Research
Vol. 1 No. 3 (2025)

The Influence of Islamic Financial Literacy on the Decision to Save in Islamic Banks among Gen Z Students at UTM

Noval Bahari Ardiansyah (Unknown)
Achmad Budi Susetyo (Unknown)



Article Info

Publish Date
30 Aug 2025

Abstract

This study aims to analyze the effect of Islamic financial literacy on saving decisions at Islamic banks for Generation Z students at Trunojoyo Madura University (UTM). Islamic financial literacy is an important aspect in supporting financial behavior in accordance with Islamic principles, especially among the younger generation. This research uses a quantitative approach with a survey method through distributing questionnaires to active UTM students who fall into the Generation Z category. The data obtained were analyzed using simple linear regression to determine how much influence Islamic financial literacy has on saving decisions. The results showed that Islamic financial literacy has a positive and significant effect on saving decisions at Islamic banks. This finding indicates that the higher the students' understanding of the concept of Islamic finance, the more likely they are to choose Islamic banks as a place to save. Therefore, increasing Islamic financial literacy needs to be a concern in order to support the development of the Islamic banking industry in Indonesia.

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Journal Info

Abbrev

i

Publisher

Subject

Religion Humanities Education Social Sciences

Description

FOCUS Al-Iffah: Journal of Islamic Sciences Research is provides scientific articles developed in attending through the article publications, original research report, reviews, and scientific commentaries in Islamic Studies. SCOPE Al-Iffah: Journal of Islamic Sciences Research encompasses research ...