<![CDATA[This qualitative library research analyzes the influence of Sharia financial literacy and customer trust on bank Sharia selection decisions in Medan, North Sumatra, examining 278 credible documents from 2018-2025. Key findings confirm critically low Sharia literacy in Medan (5.9% vs national 9.47%) with mudharabah (78%) and murabahah (85%) understanding gaps, 18.7% trust erosion post-2023 panic withdrawal, and lagging Sharia banking penetration (5.2% vs 7.38% national) with 23.4% churn rate. Structural model Literacy (β=0.333)→ Trust(β=0.468)→ Decision(β=0.378) proven significant (R²=0.47) via 23 SEM meta-analysis studies, exacerbated by Batak "guaranteed profit" culture (41%) and digital gap (28% vs 73%). Recommendations include "Guaranteed Mudharabah Profit", Medan Sharia Village program, and 50% mobile banking penetration (2027) for +4.8% growth. Theoretical contribution extends Ajzen's TPB with Sharia trust and non-Java context.]]>
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