<![CDATA[The demand for home ownership continues to increase in line with population growth and rising property prices. This condition has strengthened the role of housing finance, including Sharia Home Ownership Financing (KPR Syariah) offered by Islamic banking institutions. However, uneven levels of Sharia financial literacy remain one of the factors influencing consumers’ decisions to use such products. This study aims to analyse the effect of Sharia financial literacy on the decision to use Sharia KPR products at Bank Muamalat Padalarang Sub-Branch Office. A quantitative approach using a survey method was employed, involving 100 respondents who are Sharia KPR customers. Data were analysed using simple linear regression and t-test analysis. The results indicate that Sharia financial literacy has a positive and significant effect on the decision to use Sharia KPR, with a regression coefficient of 0.703 and a t-value of 10.759, which exceeds the critical t-value of 1.987. Sharia financial literacy accounts for 56% of the variation in customers’ decisions, while the remaining 44% is influenced by other factors outside the scope of this study. Furthermore, the level of Sharia financial literacy among respondents is classified as high, with an average score of 84.51%.]]>
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